Defiance, OH · Cert 13339 · SB Financial Group Inc.
State charter, Fed member · FED · 29 branches
Q2 2026
Market Position · Toledo, OH · 2026 SOD (annual) · 2.1% share · #10 of 22 inst. · $0.3B of $16.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.75% | 1.22% | 0.85% | 1.10% | 1.11% | 1.23% | 1.19% | 1.15% | +5 bps | |
| Return on Equity | 6.98% | 11.35% | 8.21% | 10.82% | 10.64% | 11.90% | 11.75% | 11.30% | +49 bps | |
| Net Interest Margin | 3.03% | 3.19% | 3.14% | 3.31% | 3.36% | 3.39% | 3.30% | 3.31% | 0 bps | |
| Efficiency Ratio | 74.70% | 67.23% | 72.34% | 66.43% | 67.69% | 64.27% | 64.89% | 65.71% | -72 bps | |
| Non-Interest Burden | 1.96% | 1.71% | 1.98% | 1.77% | 1.93% | 1.80% | 1.74% | 1.78% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.24% | 2.30% | 12.45% | 10.85% | 7.34% | 12.23% | 7.06% | 9.14% | -171 bps | |
| Loan Growth (YoY) | 4.70% | 5.06% | 9.66% | 9.30% | 7.35% | 12.23% | 8.77% | 8.08% | -122 bps | |
| Deposit Growth (YoY) | 7.03% | 6.56% | 14.26% | 11.89% | 8.56% | 13.85% | 8.07% | 11.69% | -20 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.53% | 0.52% | 0.55% | 0.53% | 0.41% | 0.39% | 0.32% | 0.30% | -23 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.07% | 0.03% | 0.02% | 0.00% | 0.04% | 0.01% | 0.06% | +5 bps | |
| Allowance / Loans | 1.47% | 1.43% | 1.41% | 1.41% | 1.43% | 1.36% | 1.38% | 1.37% | -4 bps | |
| Allowance Coverage of NPLs | 2.8x | 2.7x | 2.5x | 2.7x | 3.5x | 3.5x | 4.3x | 4.6x | +1.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.92% | 11.09% | 10.06% | 10.15% | 10.08% | 9.86% | 9.91% | 10.00% | -16 bps | |
| Total Risk-Based Capital | 14.44% | 14.69% | 13.60% | 13.78% | 13.73% | 13.03% | 13.47% | 13.62% | -16 bps | |
| Equity / Assets | 10.70% | 10.74% | 9.95% | 10.42% | 10.43% | 10.19% | 10.08% | 10.27% | -15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.94% | 91.03% | 85.41% | 88.37% | 87.96% | 89.74% | 85.95% | 85.51% | -286 bps | |
| Liquid Assets / Assets | 2.44% | 0.69% | 4.99% | 3.77% | 4.37% | 3.56% | 7.05% | 7.63% | +385 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 310% | 354% | 343% | n/a | n/a | |