PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Port Conneaut

Conneaut, OH · Charter 12351

NCUA · 2 branches

Q2 2026

$30.7MAssets
$13.6MLoans
$26.2MShares
$4.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.13%, down 62 bps year over year; NIM at 4.65%.
  • Asset quality: problem loans at 2.98% of loans (-14 bps YoY).
  • Capital: net worth / assets of 12.89%, up 50 bps from a year ago.
  • Funding: loans stand at 51.82% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.13%-62 bps YoY

Net Interest Margin (quarter, annualized)

4.65%+13 bps YoY

Efficiency Ratio (quarter, annualized)

96.21%+796 bps YoY

Net Worth / Assets

12.89%+50 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.64%0.51%0.63%0.75%0.85%0.83%-0.21%0.13%-62 bps
Return on Equity5.27%4.27%5.25%6.09%6.70%6.45%-1.69%1.02%-507 bps
Net Interest Margin4.25%4.29%4.44%4.52%4.59%4.64%4.47%4.65%+13 bps
Efficiency Ratio89.94%90.41%89.94%88.25%87.01%87.61%99.52%96.21%+796 bps
Growth
Asset Growth (YoY)-0.74%4.08%1.66%1.60%-0.53%-2.18%-1.87%-0.87%-247 bps
Loan Growth (YoY)-7.46%-9.17%-7.77%-2.71%-2.41%-2.27%-0.94%-3.55%-84 bps
Share Growth (YoY)-2.01%4.44%0.37%0.63%-1.16%-3.40%-1.82%-1.40%-203 bps
Asset Quality
Delinquent Loans / Loans2.97%2.67%2.70%3.12%3.22%3.59%2.15%2.98%-14 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 Capital12.08%11.87%12.01%12.39%12.74%12.83%12.73%12.89%+50 bps
Net Worth / Assets12.08%11.87%12.01%12.39%12.74%12.83%12.73%12.89%+50 bps
Liquidity & Funding
Loans / Shares53.06%50.96%50.57%52.97%52.39%51.56%51.03%51.82%-115 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps