1st Source Bank
South Bend, IN
IDRSSD: 991340
Total Assets
$9.05B
Latest filing
Total Deposits
$7.41B
Latest filing
Net Interest Margin
4.30%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
1st Source Bank
100 N Michigan St Ste B
South Bend, IN 46601
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1922FDIC Certificate 5818
Branches (80)
Page 1 of 12| Name | Address | City / State |
|---|---|---|
| 1st Source Bank (Main) | 100 N Michigan St Ste B | South Bend, IN |
| NORTH LIBERTY BRANCH | 109 N Main St | North Liberty, IN |
| MCKINLEY AVENUE BRANCH | 405 E Mckinley Ave | Mishawaka, IN |
| OSCEOLA BRANCH | 4720 Lincolnway E | Mishawaka, IN |
| ST JOSEPH LAKESHORE BRANCH | 4009 Red Arrow Hwy | Saint Joseph, MI |
| ST JOSEPH DOWNTOWN BRANCH | 715 Ship St | St. Joseph, MI |
| ARGOS BRANCH | 518 N Michigan St | Argos, IN |
| DRIVE-IN FACILITY | 312 N Center St | Plymouth, IN |
Showing 7 of 80
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1922 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 46601 |
| State and County Number | 18141 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | South Bend-Mishawaka, IN-MI |
Operational Info
| Number of Employees | 1,216 |
| Domestic Offices | 81 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.1stsource.com |
| Data Updated | 11/14/2025 |
| CERT | 9087 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $9.05B |
| Total Deposits | $7.41B |
| Total Liabilities | $7.81B |
| Total Equity Capital | $1.24B |
| Net Income | $44.12M |
| Net Loans and Leases | $6.81B |
| Assets Per Employee ($Millions) | $7.62M |
| Bank Premises and Fixed Assets | $80.01M |
| Cash and Balances due from Depository Institutions | $215.24M |
| Deposits Held in Domestic Offices | $7.41B |
Key Performance Ratios
| Return on Assets (ROA) | 1.95% |
| Return on Equity (ROE) | 15.14% |
| Net Interest Margin | 4.3% |
| Efficiency Ratio | 47.68% |
| Tier 1 Risk-Based Capital Ratio | 14.54% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.04% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.095% |
| Earning Assets to total Assets | 93.49% |
Income and Expense
| Total Interest Income | $130.89M |
| Total Noninterest Income | $23.63M |
| Total Interest Expense | $40.04M |
| Total Noninterest Expense | $54.58M |
| Net Interest Income | $90.85M |
| Pre-tax Net Operating Income | $59.00M |
| Provision for Credit Losses | $896.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $120.00k |
| Other borrowed funds | $11.38M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $210.50M |
| All Other Liabilities | $161.58M |
| Total Liabilities and Capital | $9.05B |
Securities
| Securities | $1.50B |
| Available-for-sale debt securities | $1.50B |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $18.63M |
| Trading Liabilities | $18.97M |
Frequently Asked Questions
What are the total assets of 1st Source Bank?
$9.05B as of the latest filing.
How much are 1st Source Bank's total deposits?
$7.41B in total deposits.
Where is 1st Source Bank located?
South Bend, IN.
What is the Net Interest Margin?
4.30%.
How many domestic offices does it operate?
81.
When was it established?
01/01/1922.
What is the Return on Assets (ROA)?
1.95%.
How much are total loans and leases?
$6.81B (latest filing).
What is the total interest income (latest filing)?
$130.89M.