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Old Fort Banking Company, The

Old Fort, OH · Cert 10255 · Old Ft Bk Employee STK Ownership&401-k Plan

State charter, non-member · FDIC · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OH3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in OH (n=68 to 71). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

42

Q2 2024Q2 2026peer median (50)

Asset Quality

50

Q2 2024Q2 2026peer median (50)

Profitability

56

Q2 2024Q2 2026peer median (50)

Liquidity

26

Q2 2024Q2 2026peer median

Efficiency

75

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Old Fort Banking Company, The

Old Fort, OH · Cert 10255 · Old Ft Bk Employee STK Ownership&401-k Plan

State charter, non-member · FDIC · 10 branches

Q2 2026

$843.9MAssets
$484.8MLoans
$781.8MDeposits
$57.3MEquity
Loan mix
81%RE $388.5M19%C&I $91.3M0%Consumer $1.5MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $607.6M22%Noninterest $174.1MQ2 2025Q2 2026

NIM

3.72%Q2 ’243.90%Q2 ’254.22%Q2 ’26+18%+23%

Non-interest income vs. expense

1.80%Q2 ’241.78%Q2 ’251.90%Q2 ’26-1%+10%

Market Position · Dayton-Kettering-Beavercreek, OH · 2026 SOD (annual) · 1.0% share · #13 of 26 inst. · $0.2B of $16.3B

15.2% Seneca
5.7% Greene
9.6% Sandusky
5.5% Hancock

Executive Summary

  • Earnings: ROA of 1.13%, up 31 bps year over year; NIM at 2.86%.
  • Asset quality: problem loans at 0.20% of loans (+20 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 8.89%, up 45 bps from a year ago.
  • Funding: loans stand at 62.01% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.13%+31 bps YoY

Net Interest Margin (YTD, annualized)

2.86%+54 bps YoY

Efficiency Ratio (YTD, annualized)

56.91%-641 bps YoY

Tier 1 Leverage Ratio

8.89%+45 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%0.86%0.93%1.08%1.13%+31 bps
Return on Equity14.79%14.83%15.44%15.82%16.69%+190 bps
Net Interest Margin2.32%2.35%2.47%2.79%2.86%+54 bps
Efficiency Ratio63.32%61.45%59.85%58.49%56.91%-641 bps
Non-Interest Burden1.29%1.26%1.29%1.44%1.42%+13 bps
Growth
Asset Growth (YoY)4.25%4.22%2.56%2.21%-1.44%-568 bps
Loan Growth (YoY)1.46%5.52%8.18%9.37%6.86%+540 bps
Deposit Growth (YoY)2.88%3.49%0.38%1.36%-2.56%-544 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.14%0.21%0.20%+20 bps
Net Charge-Offs / Loans0.01%0.01%0.01%0.01%0.01%0 bps
Allowance / Loans1.05%1.04%1.06%1.08%1.08%+3 bps
Allowance Coverage of NPLsn/a491.3x7.6x5.2x5.4xn/a
Capital
Tier 1 Leverage Ratio8.44%8.33%8.32%8.73%8.89%+45 bps
Total Risk-Based Capital15.96%15.82%15.61%15.98%16.20%+24 bps
Equity / Assets5.78%6.54%6.92%6.67%6.79%+101 bps
Liquidity & Funding
Loans / Deposits56.55%58.21%61.83%60.84%62.01%+546 bps
Liquid Assets / Assets8.40%8.69%3.72%4.78%3.59%-481 bps
CRE / Total Capitaln/a270%275%261%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Old Fort Banking Company, The

Old Fort, OH · Cert 10255 · Peer group: banks under $1B in assets in OH (n=68-71) · Old Ft Bk Employee STK Ownership&401-k Plan

State charter, non-member · FDIC · 10 branches

Q2 2026

$843.9MAssets
$484.8MLoans
$781.8MDeposits
$57.3MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 87% of banks under $1B in assets in OH (rank 9 of 71).
  • Widest gap: equity / assets trails 99% of banks under $1B in assets in OH (rank 70 of 71).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.14%

Rank 28 of 71

Net Interest Margin

2.86%

Rank 57 of 71

Efficiency Ratio

56.91%

Rank 19 of 71

Equity / Assets

6.79%

Rank 70 of 71

Non-interest income vs. expense

$4.1M$16.4MINCOMEEXPENSE
Unfavorable gap of $12.2M · efficiency ratio beats 75% of banks under $1B in assets in OH
Bank 56.91%Peer median 70.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.14%0.62%1.02%1.39%Beats 61%28 / 71
Return on Equity16.78%5.62%10.07%13.60%Beats 87%9 / 71
Net Interest Margin2.86%2.93%3.56%4.07%Beats 20%57 / 71
Efficiency Ratio56.91%55.94%70.77%78.80%Beats 75%19 / 71
Asset Quality
Nonperforming Loans / Loans0.20%0.08%0.27%0.97%Beats 56%31 / 68
Net Charge-Offs / Loans0.01%n/a0.00%0.05%Beats 43%41 / 68
Capital
Tier 1 Capital Ratio15.16%11.18%13.77%20.34%Beats 61%28 / 71
Total Risk-Based Capital Ratio16.20%12.08%14.34%21.24%Beats 63%26 / 71
Equity / Assets6.79%8.41%10.74%13.32%Beats 1%70 / 71
Liquidity & Funding
Loans / Deposits62.01%64.48%76.81%87.49%18th pctl56 / 68
Loans / Assets57.45%55.33%65.58%72.51%31st pctl49 / 71
Brokered Deposits / Depositsn/aNot reported for this institution