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

Asset Quality

Profitability

Liquidity

Efficiency

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.

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

Deposit mix

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.

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

NIM

Non-interest income vs. expense

Year to date, annualized, through each quarter.

Metric	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	0.60%	0.65%	0.80%	0.82%	0.86%	0.93%	1.08%	1.13%	+31 bps
Return on Equity	12.07%	12.93%	14.65%	14.79%	14.83%	15.44%	15.82%	16.69%	+190 bps
Net Interest Margin	1.95%	2.00%	2.27%	2.32%	2.35%	2.47%	2.79%	2.86%	+54 bps
Efficiency Ratio	70.63%	69.24%	64.39%	63.32%	61.45%	59.85%	58.49%	56.91%	-641 bps
Non-Interest Burden	1.23%	1.22%	1.29%	1.29%	1.26%	1.29%	1.44%	1.42%	+13 bps
Growth
Asset Growth (YoY)	-1.39%	0.78%	0.99%	4.25%	4.22%	2.56%	2.21%	-1.44%	-568 bps
Loan Growth (YoY)	4.37%	1.59%	0.89%	1.46%	5.52%	8.18%	9.37%	6.86%	+540 bps
Deposit Growth (YoY)	-4.20%	0.66%	-0.49%	2.88%	3.49%	0.38%	1.36%	-2.56%	-544 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.14%	0.21%	0.20%	+20 bps
Net Charge-Offs / Loans	0.05%	0.03%	0.02%	0.01%	0.01%	0.01%	0.01%	0.01%	0 bps
Allowance / Loans	1.05%	1.06%	1.07%	1.05%	1.04%	1.06%	1.08%	1.08%	+3 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	491.3x	7.6x	5.2x	5.4x	n/a
Capital
Tier 1 Leverage Ratio	7.97%	8.21%	8.44%	8.44%	8.33%	8.32%	8.73%	8.89%	+45 bps
Total Risk-Based Capital	15.37%	15.94%	16.45%	15.96%	15.82%	15.61%	15.98%	16.20%	+24 bps
Equity / Assets	5.94%	4.98%	5.92%	5.78%	6.54%	6.92%	6.67%	6.79%	+101 bps
Liquidity & Funding
Loans / Deposits	57.09%	57.37%	56.38%	56.55%	58.21%	61.83%	60.84%	62.01%	+546 bps
Liquid Assets / Assets	7.67%	8.06%	8.12%	8.40%	8.69%	3.72%	4.78%	3.59%	-481 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	270%	275%	261%	n/a	n/a

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

Unfavorable gap of $12.2M · efficiency ratio beats 75% of banks under $1B in assets in OH

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	1.14%	0.62%	1.02%	1.39%	Beats 61%	28 / 71
Return on Equity	16.78%	5.62%	10.07%	13.60%	Beats 87%	9 / 71
Net Interest Margin	2.86%	2.93%	3.56%	4.07%	Beats 20%	57 / 71
Efficiency Ratio	56.91%	55.94%	70.77%	78.80%	Beats 75%	19 / 71
Asset Quality
Nonperforming Loans / Loans	0.20%	0.08%	0.27%	0.97%	Beats 56%	31 / 68
Net Charge-Offs / Loans	0.01%	n/a	0.00%	0.05%	Beats 43%	41 / 68
Capital
Tier 1 Capital Ratio	15.16%	11.18%	13.77%	20.34%	Beats 61%	28 / 71
Total Risk-Based Capital Ratio	16.20%	12.08%	14.34%	21.24%	Beats 63%	26 / 71
Equity / Assets	6.79%	8.41%	10.74%	13.32%	Beats 1%	70 / 71
Liquidity & Funding
Loans / Deposits	62.01%	64.48%	76.81%	87.49%	18th pctl	56 / 68
Loans / Assets	57.45%	55.33%	65.58%	72.51%	31st pctl	49 / 71
Brokered Deposits / Deposits	n/a	Not reported for this institution