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Bayer Heritage

New Martinsvill, WV · Charter 11836

NCUA · 11 branches

Q2 2026

$800.7MAssets
$636.1MLoans
$721.6MShares
$79.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.81%, up 24 bps year over year; NIM at 3.86%.
  • Asset quality: problem loans at 1.68% of loans (+47 bps YoY).
  • Capital: net worth / assets of 9.90%, up 51 bps from a year ago.
  • Funding: loans stand at 88.14% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.81%+24 bps YoY

Net Interest Margin (YTD, annualized)

3.86%+12 bps YoY

Efficiency Ratio (YTD, annualized)

65.15%-373 bps YoY

Net Worth / Assets

9.90%+51 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.25%0.30%0.85%0.57%0.84%0.75%0.61%0.81%+24 bps
Return on Equity3.09%3.28%9.06%6.05%8.75%7.73%6.35%8.21%+216 bps
Net Interest Margin2.58%3.02%3.70%3.75%3.78%3.80%3.80%3.86%+12 bps
Efficiency Ratio74.91%74.18%64.55%68.87%65.37%65.94%64.02%65.15%-373 bps
Growth
Asset Growth (YoY)17.95%-10.26%-12.21%-11.31%-10.10%2.20%4.16%3.54%+1,484 bps
Loan Growth (YoY)0.60%2.37%1.90%1.20%0.83%-0.29%0.14%4.54%+334 bps
Share Growth (YoY)21.27%-11.77%-13.69%-12.70%-11.84%1.47%3.93%3.00%+1,570 bps
Asset Quality
Delinquent Loans / Loans1.36%1.32%1.08%1.22%1.46%1.42%1.02%1.68%+47 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.06%9.20%9.37%9.39%9.65%9.71%9.65%9.90%+51 bps
Net Worth / Assets8.06%9.20%9.37%9.39%9.65%9.71%9.65%9.90%+51 bps
Liquidity & Funding
Loans / Shares76.28%87.58%87.24%86.84%87.25%86.06%84.07%88.14%+130 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps