Old Fort, OH · Cert 10255 · Old Ft Bk Employee STK Ownership&401-k Plan
State charter, non-member · FDIC · 10 branches
Q2 2026
Market Position · Dayton-Kettering-Beavercreek, OH · 2026 SOD (annual) · 1.0% share · #13 of 26 inst. · $0.2B of $16.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.85% | 0.94% | 1.12% | 1.08% | 1.19% | +34 bps | |
| Return on Equity | 14.52% | 15.23% | 16.58% | 15.82% | 17.69% | +316 bps | |
| Net Interest Margin | 2.35% | 2.51% | 2.87% | 2.79% | 2.92% | +57 bps | |
| Efficiency Ratio | 62.26% | 57.99% | 55.84% | 58.49% | 55.39% | -687 bps | |
| Non-Interest Burden | 1.27% | 1.27% | 1.38% | 1.44% | 1.40% | +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 / Loans | 0.00% | 0.00% | 0.14% | 0.21% | 0.20% | +20 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.01% | 0.01% | 0 bps | |
| Allowance / Loans | 1.05% | 1.04% | 1.06% | 1.08% | 1.08% | +3 bps | |
| Allowance Coverage of NPLs | n/a | 491.3x | 7.6x | 5.2x | 5.4x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.44% | 8.33% | 8.32% | 8.73% | 8.89% | +45 bps | |
| Total Risk-Based Capital | 15.96% | 15.82% | 15.61% | 15.98% | 16.20% | +24 bps | |
| Equity / Assets | 5.78% | 6.54% | 6.92% | 6.67% | 6.79% | +101 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 56.55% | 58.21% | 61.83% | 60.84% | 62.01% | +546 bps | |
| Liquid Assets / Assets | 8.40% | 8.69% | 3.72% | 4.78% | 3.59% | -481 bps | |
| CRE / Total Capital | n/a | 270% | 275% | 261% | n/a | n/a | |