Bank · FDIC insured
1st Source Bank
A $9.3B bank, the 169th largest of 4,207, headquartered in South Bend, IN, with 80 branches in 3 states. Best rates: CDs 4.00% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: carrot has not captured enough rates to score this yet. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: no rates found on its website.
- CDs804.00%for 9–15 monthsCD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About 1st Source Bank
Founded in 1863, 1st Source Bank operates banking centers across 19 counties in northern Indiana and southwest Michigan.
Its Specialty Finance Group provides financing across the United States for industries including aircraft, construction equipment, and fleets.
- Headquarters
- 100 N Michigan St Ste B, South Bend, IN 46601
- FDIC certificate
- 9087 ↗
Branches
80 branches in 3 states
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Indiana
71 branches
South Bend area · 22
- 1st Source BankMain office100 N Michigan St Ste B, South Bend, IN 46601Directions
- Granger Banking Center Branch12460 State Rd 23, Granger, IN 46530Directions
- Granger Martins Branch12850 State Rd 23, Granger, IN 46530Directions
- Gumwood-Martins Branch7355 Heritage Square Dr, Granger, IN 46530Directions
- Bank Mart Branch6909 Grape Rd, Mishawaka, IN 46545Directions
- Mckinley Avenue Branch405 E Mckinley Ave, Mishawaka, IN 46545Directions
- Mishawaka Main Office101 Lincolnway E, Mishawaka, IN 46544Directions
- Osceola Branch4720 Lincolnway E, Mishawaka, IN 46544Directions
- New Carlisle Branch848 W Michigan St, New Carlisle, IN 46552Directions
- North Liberty Branch109 N Main St, North Liberty, IN 46554Directions
- Notre Dame Branch21 Lafortune Student Ctr, Notre Dame, IN 46556Directions
- St. Mary'S College Branch5445 State Road 993 North, Notre Dame, IN 46556Directions
- Airport Branch4105 Lincoln Way W, South Bend, IN 46628Directions
- Drive-In Plaza South Bend Branch225 N Main St, South Bend, IN 46601Directions
- Erskine Martins Branch926 Erskine Plz, South Bend, IN 46614Directions
- Ewing Avenue Branch2323 S Michigan St, South Bend, IN 46614Directions
- Ireland Road Branch2060 E Ireland Rd, South Bend, IN 46614Directions
- Maple Lane Branch2230 S Bend Ave, South Bend, IN 46635Directions
- Portage Avenue Branch3655 Portage Rd, South Bend, IN 46628Directions
- Roseland Branch52990 State Rd 933, South Bend, IN 46637Directions
- Western Avenue Branch4505 W Western Ave, South Bend, IN 46619Directions
- Walkerton Branch411 Illinois St, Walkerton, IN 46574Directions
Fort Wayne area · 10
- Bluffton Branch124 S Main St, Bluffton, IN 46714Directions
- Columbia City630 Country Side Dr, Columbia City, IN 46725Directions
- Dupont Oaks Branch4605 E Dupont Rd, Fort Wayne, IN 46825Directions
- East State Branch6506 E State Blvd, Fort Wayne, IN 46815Directions
- Ft Wayne Downtown Branch200 E Main St, Fort Wayne, IN 46802Directions
- Illinois Road Branch7821 Carnegie Blvd, Fort Wayne, IN 46804Directions
- North Anthony Branch3602 N Anthony Blvd, Fort Wayne, IN 46805Directions
- Pine Valley Branch10633 Coldwater Rd, Fort Wayne, IN 46845Directions
- Waynedale Branch5719 Bluffton Rd, Fort Wayne, IN 46809Directions
- New Haven Branch902 Lincoln Hwy E, New Haven, IN 46774Directions
Chicago area · 10
- Chesterton Branch1500 S Calumet Rd, Chesterton, IN 46304Directions
- Hebron Branch111 W Sigler St, Hebron, IN 46341Directions
- Kouts Branch221 S Main St, Kouts, IN 46347Directions
- Portage Central Branch6043 Central Ave, Portage, IN 46368Directions
- Willowcreek Branch3395 Willowcreek Rd, Portage, IN 46368Directions
- Costas Foods Branch2800 Calumet Ave, Valparaiso, IN 46383Directions
- Valparaiso Circle Branch2005 Laporte Ave, Valparaiso, IN 46383Directions
- Valparaiso Downtown Branch14 Indiana Ave, Valparaiso, IN 46383Directions
- Valparaiso North Branch2700 Calumet Ave, Valparaiso, IN 46383Directions
- Valpariaso West Branch2356 Morthland Dr, Valparaiso, IN 46385Directions
Elkhart area · 8
- Dunlap Branch4594 Elkhart Rd, Elkhart, IN 46517Directions
- Elkhart North Martins120 Sanford School Rd, Elkhart, IN 46514Directions
- Elkhart-Bristol Street Branch2020 E Bristol St, Elkhart, IN 46514Directions
- Elkhart-Franklin Street Branch131 E Franklin St, Elkhart, IN 46516Directions
- Elkhart-West Branch1751 W Lexington Ave, Elkhart, IN 46514Directions
- Goshen Branch101 S Main St, Goshen, IN 46526Directions
- Middlebury Banking Center809 Wayne St, Middlebury, IN 46540Directions
- Nappanee Branch1600 E Market St, Nappanee, IN 46550Directions
Plymouth area · 5
- Argos Branch518 N Michigan St, Argos, IN 46501Directions
- Bremen Branch1409 W Plymouth St, Bremen, IN 46506Directions
- Lapaz Branch201 South Michigan St, La Paz, IN 46537Directions
- Drive-In Facility312 N Center St, Plymouth, IN 46563Directions
- Plymouth Main Branch315 N Michigan St, Plymouth, IN 46563Directions
Michigan City area · 5
- La Crosse Branch218 N Washington St, La Crosse, IN 46348Directions
- La Porte Boyd Branch1100 Boyd Blvd, La Porte, IN 46350Directions
- Laporte West Branch2044 W. St. Rd. 2, La Porte, IN 46350Directions
- Michigan City Marquette Branch3905 Franklin St, Michigan City, IN 46360Directions
- Westville Branch501 N Flynn Rd, Westville, IN 46391Directions
Lafayette area · 3
- Lafayette Cascada Branch3944 Mccarty Ln, Lafayette, IN 47905Directions
- Lafayette Downtown Branch133 N 4th St, Lafayette, IN 47901Directions
- North 4th Street Branch401 N 4th St, Lafayette, IN 47901Directions
Warsaw area · 2
- Warsaw Banking Center Branch325 S Lake St, Warsaw, IN 46580Directions
- Warsaw East Branch2804 E Center St, Warsaw, IN 46580Directions
Auburn area · 1
- Auburn Banking Center104 S Jackson St, Auburn, IN 46706Directions
Indianapolis area · 1
- Carmel Banking Center Branch10570 North Michigan Road, Carmel, IN 46032Directions
Huntington area · 1
- Huntington Branch1959 N Jefferson St, Huntington, IN 46750Directions
Knox area · 1
- Knox Branch1620 South U.S. 35, Knox, IN 46534Directions
Rochester area · 1
- Rochester Branch516 Main St, Rochester, IN 46975Directions
Winamac area · 1
- Winamac Banking Center Branch110 North Market Street, Winamac, IN 46996Directions
Michigan
8 branches
Niles area · 5
- Niles Banking Center Branch1401 South 11th Street, Niles, MI 49120Directions
- Niles-Martins Branch720 S 11th St, Niles, MI 49120Directions
- St Joseph Downtown Branch715 Ship St, St. Joseph, MI 49085Directions
- St Joseph Hilltop Branch1600 Hilltop Rd, St. Joseph, MI 49085Directions
- St Joseph Lakeshore Branch4009 Red Arrow Hwy, St. Joseph, MI 49085Directions
Kalamazoo area · 2
- Kalamazoo Downtown Branch113 E Michigan Ave, Kalamazoo, MI 49007Directions
- Centre Ave. Branch2381 W Centre Ave, Portage, MI 49024Directions
South Bend area · 1
- Dowagiac Branch223 S Front St, Dowagiac, MI 49047Directions
Florida
1 branch
- Sarasota Banking Center Branch1800 2nd St, Sarasota, FL 34236Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 13.72% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.99% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.99% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $97 | $88 | — |
- CapitalLeverage ratio13.72%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.99%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.99%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$97Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of 1st Source Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.