1st Source is a regional bank holding company headquartered in South Bend, Indiana, operating primarily through 1st Source Bank. The core business is traditional commercial and consumer banking: taking deposits and making loans across 19 counties in Indiana and Michigan, plus Sarasota County in Florida, through 78 banking centers. On the commercial side, 1st Source lends to privately owned businesses for real estate, equipment, and acquisitions. On the consumer side, it offers checking and savings accounts, mortgages, credit cards, and home equity lines. It also provides trust and wealth advisory services and sells insurance through its 1st Source Insurance subsidiary. What differentiates 1st Source from a purely local community bank is its Specialty Finance Group — a nationwide platform with 15 locations that finances specialized equipment across four verticals: construction equipment, private and cargo aircraft, auto and light truck fleets, and medium and heavy duty trucks. This business extends 1st Source's lending footprint well beyond its regional geography and targets niche categories where underwriting expertise in equipment residual values drives competitive advantage. 1st Source also finances commercial solar projects through a renewable energy lending business focused on the Northeast and Midwest. The company earns primarily through net interest income, with fee income from wealth advisory, insurance, and treasury management providing supplemental revenue.