Northeast Indiana Bancorp

1. Interest Rate Risk: Northeast Indiana Bancorp is exposed to interest rate risk since it is subject to the fluctuations of the Federal Funds rate, the prime rate, and other interest rate benchmarks. If interest rates rise, the company’s net interest income could decline, and if they fall, the company’s net interest income could increase.

2. Regulatory Risk: The banking industry is highly regulated by state and federal governments, so any changes in banking laws and regulations could affect the company’s operations and financial results.

3. Credit Risk: Northeast Indiana Bancorp is exposed to credit risk because it may have to write off bad loans or other bad debts.

4. Liquidity Risk: Northeast Indiana Bancorp may be exposed to liquidity risk due to the nature of its banking products and services. If the company is unable to meet its redemption obligations or fund its investments, it may be forced to liquidate assets or borrow funds at higher costs.

5. Competition Risk: Northeast Indiana Bancorp is subject to competition from larger financial institutions, as well as from newer non-banking companies that now offer banking services. This could result in the company losing potential customers and revenue.