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Croghan Colonial Bank, The

Fremont, OH · Cert 13341 · Croghan Bancshares Inc.

State charter, Fed member · FED · 19 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=268 to 269). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

42

Q2 2024Q2 2026peer median (50)

Asset Quality

79

Q2 2024Q2 2026peer median (50)

Profitability

46

Q2 2024Q2 2026peer median (50)

Liquidity

80

Q2 2024Q2 2026peer median

Efficiency

52

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Croghan Colonial Bank, The

Fremont, OH · Cert 13341 · Croghan Bancshares Inc.

State charter, Fed member · FED · 19 branches

Q2 2026

$1.4BAssets
$893.8MLoans
$1.1BDeposits
$141.9MEquity
Loan mix
83%RE $717.6M7%C&I $64.5M10%Consumer $82.5MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $798.8M27%Noninterest $294.6MQ2 2025Q2 2026

NIM

4.61%Q2 ’244.76%Q2 ’255.05%Q2 ’26+5%+6%

Non-interest income vs. expense

2.66%Q2 ’242.63%Q2 ’252.34%Q2 ’26+8%-11%

Market Position · Sandusky, OH · 2026 SOD (annual) · 6.1% share · #6 of 14 inst. · $0.2B of $3.3B

47.5% Sandusky
15.6% Ottawa
14.1% Huron
0.8% Lucas

Executive Summary

  • Earnings: ROA of 1.20%, up 26 bps year over year; NIM at 3.47%.
  • Asset quality: problem loans at 0.08% of loans (-3 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 10.13%, down 103 bps from a year ago.
  • Funding: loans stand at 81.75% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.20%+26 bps YoY

Net Interest Margin (YTD, annualized)

3.47%+20 bps YoY

Efficiency Ratio (YTD, annualized)

59.55%-981 bps YoY

Tier 1 Leverage Ratio

10.13%-103 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.94%1.00%1.01%1.06%1.20%+26 bps
Return on Equity8.65%9.23%9.40%10.35%11.77%+312 bps
Net Interest Margin3.27%3.25%3.20%3.50%3.47%+20 bps
Efficiency Ratio69.36%67.84%66.82%62.83%59.55%-981 bps
Non-Interest Burden2.04%1.98%1.91%1.97%1.82%-22 bps
Growth
Asset Growth (YoY)5.02%8.38%14.22%14.29%20.00%+1,498 bps
Loan Growth (YoY)2.81%5.11%12.97%17.74%19.29%+1,648 bps
Deposit Growth (YoY)6.37%4.46%3.13%3.58%11.13%+476 bps
Asset Quality
Nonperforming Loans / Loans0.11%0.14%0.08%0.12%0.08%-3 bps
Net Charge-Offs / Loans0.00%0.00%0.01%0.00%0.02%+2 bps
Allowance / Loans1.16%1.14%1.11%1.12%1.11%-5 bps
Allowance Coverage of NPLs10.9x8.1x13.9x9.2x14.4x+3.6x
Capital
Tier 1 Leverage Ratio11.16%10.95%10.53%10.28%10.13%-103 bps
Total Risk-Based Capital14.76%14.43%13.45%13.27%13.25%-151 bps
Equity / Assets11.01%10.76%10.43%10.05%10.03%-98 bps
Liquidity & Funding
Loans / Deposits76.16%77.94%85.23%84.19%81.75%+559 bps
Liquid Assets / Assets2.42%0.03%1.22%1.91%6.00%+358 bps
CRE / Total Capitaln/a369%415%440%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Croghan Colonial Bank, The

Fremont, OH · Cert 13341 · Peer group: banks $1B-$10B in assets operating in a single state (n=268-269) · Croghan Bancshares Inc.

State charter, Fed member · FED · 19 branches

Q2 2026

$1.4BAssets
$893.8MLoans
$1.1BDeposits
$141.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 90% of banks $1B-$10B in assets operating in a single state (rank 29 of 269).
  • Widest gap: tier 1 capital ratio trails 61% of banks $1B-$10B in assets operating in a single state (rank 163 of 269).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.15%

Rank 150 of 269

Net Interest Margin

3.47%

Rank 142 of 269

Efficiency Ratio

59.55%

Rank 129 of 268

Equity / Assets

10.03%

Rank 147 of 269

Non-interest income vs. expense

$7.3M$32.6MINCOMEEXPENSE
Unfavorable gap of $25.4M · efficiency ratio beats 52% of banks $1B-$10B in assets operating in a single state
Bank 59.55%Peer median 60.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.15%0.93%1.23%1.54%Beats 44%150 / 269
Return on Equity11.47%9.13%11.77%14.52%Beats 47%142 / 269
Net Interest Margin3.47%3.16%3.50%3.88%Beats 47%142 / 269
Efficiency Ratio59.55%51.70%60.21%69.66%Beats 52%129 / 268
Asset Quality
Nonperforming Loans / Loans0.08%0.19%0.45%0.89%Beats 90%29 / 269
Net Charge-Offs / Loans0.01%0.01%0.02%0.06%Beats 67%91 / 269
Capital
Tier 1 Capital Ratio12.34%11.29%13.10%15.21%Beats 39%163 / 269
Total Risk-Based Capital Ratio13.25%12.04%13.91%16.33%Beats 41%158 / 269
Equity / Assets10.03%9.18%10.29%11.76%Beats 45%147 / 269
Liquidity & Funding
Loans / Deposits81.75%72.68%86.29%95.72%39th pctl164 / 269
Loans / Assets63.18%62.46%72.27%78.37%27th pctl196 / 269
Brokered Deposits / Depositsn/aNot reported for this institution