Total Assets
$15M
Total balance-sheet footings
FDIC Cert #57109 · Goshen, Indiana · Est. 2001
Everence Trust Company - FDIC Bank Health Profile
A community-scale look at Everence Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.
- $15M
- Total assets
- A
- Health grade · Excellent
- 9.53%
- Return on assets
- 193.0%
- Tier 1 capital
Data updated July 2026
The verdict
Everence Trust Company earns a PlainBankData health grade of A (85/100), with well-capitalized at 192.98% Tier 1, profitable at 9.53% ROA, 95% efficiency ratio.
- #4,295
- largest of 4,313 FDIC banks by assets
- 0th
- percentile by asset size, nationally
- 192.98%
- Tier 1 ratio - above the 10% well-capitalized line
- 100th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Everence Trust Company's 85/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Everence Trust Company's composite health score
Tier 1 Capital Ratio (192.98%) 40/40
Return on Assets (ROA) (9.53%) 25/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (95.08%) 0/15
85 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$500K
Customer-funded liabilities
Net Loans
-
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Everence Trust Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Everence Trust Company's score of 85/100 falls in the highlighted band.
Everence Trust Company's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Everence Trust Company's $15M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
192.98% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
192.98%
Texas Ratio
0.00%
Equity Capital
$13M
Profitability metrics
Return on Assets (ROA)
100th percentile nationally
9.53%
Return on Equity (ROE)
10.70%
Efficiency Ratio
95.08%
What the numbers say about Everence Trust Company
Everence Trust Company is an FDIC-insured institution (Certificate #57109) headquartered in Goshen, Indiana, established in 2001. It holds $15M in total assets - 4,295th of 4,313 FDIC-insured banks, $500K in customer deposits, and - in net loans. Its capital position: a Tier 1 ratio of 192.98%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.00% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (85 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Everence Trust Company is a community-scale institution -- 88th of 90 FDIC-insured banks headquartered in Indiana by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$380K
Interest Income
$37M
Non-Interest Income
$35M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Everence Trust Company reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Indiana by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Everence Trust Company (FDIC Cert #57109) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Indiana
All Indiana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Old National BankEvansville | $71.8B | B | 1.16% |
| Merchants Bank of IndianaCarmel | $19.4B | A | 1.20% |
| First Merchants BankMuncie | $19.0B | A | 1.27% |
| Centier BankWhiting | $9.7B | A | 1.67% |
| 1st Source BankSouth Bend | $9.1B | A | 1.84% |
| German American BankJasper | $8.4B | A | 1.46% |
| Lake City BankWarsaw | $7.0B | A | 1.61% |
| Horizon BankMichigan City | $6.4B | C | -1.96% |
Frequently asked questions
What is Everence Trust Company's health grade?▼
Everence Trust Company receives a health grade of A (85/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Everence Trust Company?▼
Everence Trust Company holds $15M in total assets and $500K in deposits, ranking 4,295th of 4,313 FDIC-insured banks by asset size. It is headquartered in Goshen, Indiana.
Is my money safe at Everence Trust Company?▼
Yes, deposits at Everence Trust Company (Certificate #57109) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Everence Trust Company's Tier 1 Capital Ratio?▼
Everence Trust Company has a Tier 1 Capital Ratio of 192.98%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Everence Trust Company?▼
Everence Trust Company has a Texas Ratio of 0.00%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Everence Trust Company?▼
Everence Trust Company has an Efficiency Ratio of 95.08%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Everence Trust Company's profile as a depositor or analyst.
- Everence Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Everence Trust Company against other Indiana banks before moving funds. Indiana banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.