Beverly, OH · Cert 10266 · Muskingum Valley Bancshares
State charter, non-member · FDIC · 5 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.15% | 1.12% | 1.13% | 1.59% | 1.46% | +30 bps | |
| Return on Equity | 10.81% | 10.31% | 10.25% | 13.18% | 11.96% | +114 bps | |
| Net Interest Margin | 3.11% | 3.16% | 3.18% | 3.48% | 3.44% | +33 bps | |
| Efficiency Ratio | 61.22% | 62.62% | 66.55% | 56.40% | 59.90% | -131 bps | |
| Non-Interest Burden | 1.75% | 1.83% | 1.99% | 1.80% | 1.91% | +15 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.03% | 3.38% | 3.24% | 2.29% | 0.67% | -535 bps | |
| Loan Growth (YoY) | 6.43% | 2.12% | -1.77% | -0.58% | -6.06% | -1,250 bps | |
| Deposit Growth (YoY) | 6.96% | 5.88% | 5.86% | 1.72% | 2.53% | -443 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.31% | 0.31% | 0.30% | 0.37% | 0.39% | +7 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.02% | 0.07% | 0.03% | +3 bps | |
| Allowance / Loans | 2.73% | 2.83% | 2.90% | 2.87% | 2.94% | +21 bps | |
| Allowance Coverage of NPLs | 8.7x | 9.3x | 9.5x | 7.8x | 7.6x | -1.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.09% | 13.08% | 13.33% | 13.79% | 13.56% | +47 bps | |
| Total Risk-Based Capital | 13.09% | 13.08% | 13.33% | 13.79% | 13.56% | +47 bps | |
| Equity / Assets | 10.29% | 11.32% | 11.99% | 12.09% | 12.48% | +218 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 71.72% | 68.46% | 66.13% | 67.93% | 65.71% | -601 bps | |
| Liquid Assets / Assets | 8.89% | 8.68% | 9.26% | 9.23% | 9.25% | +37 bps | |
| CRE / Total Capital | n/a | 162.15% | 158.37% | 149.57% | n/a | n/a | |