Everence Trust Company is a savings bank headquartered in Goshen, Indiana, in business for about 25 years. At the end of Q2 2026 it reported $16.2M in total assets and $500K in deposits, with 1 office.
Based on its Q2 2026 filing, Everence Trust Company scores 94/100, which we describe as very strong. That is higher than 96% of 546 banks with under $100 million in assets. Among 88 banks headquartered in Indiana, it ranks 1st. Its strongest component is capital cushion (100/100; 96.81%), and its lowest is funding & liquidity (61/100; 0% loans-to-deposits, 50% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (94 → 94).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 94 |
| Q3 2024 | 94 |
| Q4 2024 | 94 |
| Q1 2025 | 94 |
| Q2 2025 | 94 |
| Q3 2025 | 94 |
| Q4 2025 | 94 |
| Q1 2026 | 94 |
| Q2 2026 | 94 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 59.77% |
| Q3 2024 | 88.67% |
| Q4 2024 | 75.72% |
| Q1 2025 | 77.64% |
| Q2 2025 | 89.79% |
| Q3 2025 | 103.37% |
| Q4 2025 | 119.35% |
| Q1 2026 | 114.71% |
| Q2 2026 | 96.81% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 10.48% |
| Q3 2024 | 14.17% |
| Q4 2024 | 14.23% |
| Q1 2025 | 6.12% |
| Q2 2025 | 8.28% |
| Q3 2025 | 11.02% |
| Q4 2025 | 9.53% |
| Q1 2026 | 22.42% |
| Q2 2026 | 19.63% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 94 | $16.2M | 96.81% | 0.00% | 19.63% | 0.0% |
| Q1 2026 | 94 | $17.4M | 114.71% | 0.00% | 22.42% | 0.0% |
| Q4 2025 | 94 | $14.5M | 119.35% | 0.00% | 9.53% | 0.0% |
| Q3 2025 | 94 | $14.0M | 103.37% | 0.00% | 11.02% | 0.0% |
| Q2 2025 | 94 | $13.4M | 89.79% | 0.00% | 8.28% | 0.0% |
| Q1 2025 | 94 | $12.6M | 77.64% | 0.00% | 6.12% | 0.0% |
| Q4 2024 | 94 | $12.5M | 75.72% | 0.00% | 14.23% | 0.0% |
| Q3 2024 | 94 | $17.5M | 88.67% | 0.00% | 14.17% | 0.0% |
| Q2 2024 | 94 | $14.1M | 59.77% | 0.00% | 10.48% | 0.0% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Indiana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Generations Community BankBank Indianapolis, IN | 76 out of 100, Strong | $30.9M | 86.2% | 0.00% | vs |
| Peoples Community Bank SB of Monticello, IndianaBank Monticello, IN | 57 out of 100, Moderate | $42.7M | 32.0% | 2.84% | vs |
| The Fairmount State BankBank Fairmount, IN | 37 out of 100, Low | $57.0M | 11.7% | 6.37% | vs |
| Boonville Federal Savings BankBank Boonville, IN | 55 out of 100, Moderate | $71.5M | 8.8% | 0.89% | vs |
| Scottsburg Building and Loan AssociationBank Scottsburg, IN | 82 out of 100, Strong | $76.9M | 18.9% | 0.18% | vs |
| First Federal Savings Bank of WashingtonBank Washington, IN | 49 out of 100, Below average | $94.4M | 11.0% | 2.06% | vs |
Deposit insurance
Is my money safe at Everence Trust Company?
Yes. Everence Trust Company is an FDIC-insured institution (FDIC certificate #57109). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 50.0% of deposits ($250K) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 96.81%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 175.57% (benchmark: 10%).
1 location
Branches
Everence Trust Company lists 1 office in 1 city. Most locations:
- Goshen, IN (1)
Identity & history
Profile
- Legal name
- Everence Trust Company
- Former names
- MMA Trust Company
- Type
- Savings bank
- FDIC certificate #
- 57109
- RSSD ID
- 3029253
- Primary regulator
- OCC
- Established
- June 1, 2001
- Headquarters
- 1110 N Main St, Goshen, IN 46528
- Website
- www.everence.com
- Employees
- 38
Quick answers
Everence Trust Company: common questions
Is Everence Trust Company FDIC insured?
Yes. Everence Trust Company is an FDIC-insured institution (FDIC certificate #57109). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Everence Trust Company's TellerScore?
94 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Everence Trust Company ever failed?
There is no failure record for FDIC certificate #57109 in the FDIC failed bank list.
How many branches does Everence Trust Company have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Goshen
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Tlcu Financial Credit UnionCredit union Mishawaka, IN | 89 out of 100, Very strong | $59.4M | 16.0% | 0.45% | vs |
| Chiphone Federal Credit UnionCredit union Elkhart, IN | 87 out of 100, Very strong | $111.8M | 16.4% | 0.38% | vs |
| Farmers State BankBank Lagrange, IN | 78 out of 100, Strong | $1.3B | 10.8% | 0.02% | vs |
| 1st Source BankBank South Bend, IN | 75 out of 100, Strong | $9.3B | 13.7% | 0.99% | vs |
| United Federal Credit UnionCredit union St Joseph, MI | 75 out of 100, Strong | $4.4B | 11.9% | 0.71% | vs |
| Lake City BankBank Warsaw, IN | 73 out of 100, Strong | $7.2B | 11.9% | 0.36% | vs |