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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

$843.9MAssets
$484.8MLoans
$781.8MDeposits
$57.3MEquity
Loan mix
81%RE $388.5M19%C&I $91.3M0%Consumer $1.5MQ3 2024Q2 2026
Deposit mix
78%Interest-bearing $607.6M22%Noninterest $174.1MQ3 2024Q2 2026

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 1.19%, up 34 bps year over year; NIM at 2.92%.
  • 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 (quarter, annualized)

1.19%+34 bps YoY

Net Interest Margin (quarter, annualized)

2.92%+57 bps YoY

Efficiency Ratio (quarter, annualized)

55.39%-687 bps YoY

Tier 1 Leverage Ratio

8.89%+45 bps YoY

NIM

3.74%Q2 ’243.94%Q2 ’254.28%Q2 ’26+22%+24%

Non-interest income vs. expense

1.75%Q2 ’241.77%Q2 ’251.89%Q2 ’26-1%+10%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.71%0.77%0.80%0.85%0.94%1.12%1.08%1.19%+34 bps
Return on Equity13.44%14.00%14.65%14.52%15.23%16.58%15.82%17.69%+316 bps
Net Interest Margin1.98%2.11%2.27%2.35%2.51%2.87%2.79%2.92%+57 bps
Efficiency Ratio66.37%65.39%64.39%62.26%57.99%55.84%58.49%55.39%-687 bps
Non-Interest Burden1.13%1.18%1.29%1.27%1.27%1.38%1.44%1.40%+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 / Loans0.00%0.00%0.00%0.00%0.00%0.14%0.21%0.20%+20 bps
Net Charge-Offs / Loans0.14%-0.03%0.02%0.01%0.00%0.01%0.01%0.01%0 bps
Allowance / Loans1.05%1.06%1.07%1.05%1.04%1.06%1.08%1.08%+3 bps
Allowance Coverage of NPLsn/an/an/an/a491.3x7.6x5.2x5.4xn/a
Capital
Tier 1 Leverage Ratio7.97%8.21%8.44%8.44%8.33%8.32%8.73%8.89%+45 bps
Total Risk-Based Capital15.37%15.94%16.45%15.96%15.82%15.61%15.98%16.20%+24 bps
Equity / Assets5.94%4.98%5.92%5.78%6.54%6.92%6.67%6.79%+101 bps
Liquidity & Funding
Loans / Deposits57.09%57.37%56.38%56.55%58.21%61.83%60.84%62.01%+546 bps
Liquid Assets / Assets7.67%8.06%8.12%8.40%8.69%3.72%4.78%3.59%-481 bps
CRE / Total Capitaln/an/an/an/a270%275%261%n/an/a