Fremont, OH · Cert 13341 · Croghan Bancshares Inc.
State charter, Fed member · FED · 19 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
41
Asset Quality
79
Profitability
47
Liquidity
80
Efficiency
52
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.
Fremont, OH · Cert 13341 · Croghan Bancshares Inc.
State charter, Fed member · FED · 19 branches
Q2 2026
Market Position · Sandusky, OH · 2026 SOD (annual) · 6.1% share · #6 of 14 inst. · $0.2B of $3.3B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 0.90% | 0.90% | 0.94% | 1.00% | 1.01% | 1.06% | 1.20% | +26 bps | |
| Return on Equity | 8.46% | 8.27% | 8.37% | 8.65% | 9.23% | 9.40% | 10.35% | 11.77% | +312 bps | |
| Net Interest Margin | 3.04% | 3.11% | 3.21% | 3.27% | 3.25% | 3.20% | 3.50% | 3.47% | +20 bps | |
| Efficiency Ratio | 69.19% | 69.92% | 70.40% | 69.36% | 67.84% | 66.82% | 62.83% | 59.55% | -981 bps | |
| Non-Interest Burden | 1.86% | 1.93% | 2.06% | 2.04% | 1.98% | 1.91% | 1.97% | 1.82% | -22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.17% | 2.92% | 5.55% | 5.02% | 8.38% | 14.22% | 14.29% | 20.00% | +1,498 bps | |
| Loan Growth (YoY) | 0.90% | 3.04% | 3.91% | 2.81% | 5.11% | 12.97% | 17.74% | 19.29% | +1,648 bps | |
| Deposit Growth (YoY) | 3.20% | 6.13% | 8.41% | 6.37% | 4.46% | 3.13% | 3.58% | 11.13% | +476 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.14% | 0.11% | 0.10% | 0.11% | 0.14% | 0.08% | 0.12% | 0.08% | -3 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.02% | +2 bps | |
| Allowance / Loans | 1.22% | 1.18% | 1.18% | 1.16% | 1.14% | 1.11% | 1.12% | 1.11% | -5 bps | |
| Allowance Coverage of NPLs | 9.0x | 10.6x | 11.9x | 10.9x | 8.1x | 13.9x | 9.2x | 14.4x | +3.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.30% | 11.32% | 11.13% | 11.16% | 10.95% | 10.53% | 10.28% | 10.13% | -103 bps | |
| Total Risk-Based Capital | 14.99% | 14.72% | 14.92% | 14.76% | 14.43% | 13.45% | 13.27% | 13.25% | -151 bps | |
| Equity / Assets | 11.32% | 10.76% | 10.72% | 11.01% | 10.76% | 10.43% | 10.05% | 10.03% | -98 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.46% | 77.81% | 74.06% | 76.16% | 77.94% | 85.23% | 84.19% | 81.75% | +559 bps | |
| Liquid Assets / Assets | 2.91% | 1.47% | 3.62% | 2.42% | 0.03% | 1.22% | 1.91% | 6.00% | +358 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 369% | 415% | 440% | n/a | n/a | |
Fremont, OH · Cert 13341 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Croghan Bancshares Inc.
State charter, Fed member · FED · 19 branches
Q2 2026
Return on Assets
1.15%
Rank 142 of 258
Net Interest Margin
3.47%
Rank 133 of 258
Efficiency Ratio
59.55%
Rank 124 of 257
Equity / Assets
10.03%
Rank 139 of 258
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.15% | 0.93% | 1.23% | 1.54% | Beats 45% | 142 / 258 | ||
| Return on Equity | 11.47% | 9.26% | 11.84% | 14.74% | Beats 47% | 137 / 258 | ||
| Net Interest Margin | 3.47% | 3.16% | 3.49% | 3.88% | Beats 48% | 133 / 258 | ||
| Efficiency Ratio | 59.55% | 51.71% | 60.30% | 69.65% | Beats 52% | 124 / 257 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.08% | 0.19% | 0.46% | 0.90% | Beats 90% | 26 / 258 | ||
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.07% | Beats 67% | 86 / 258 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.34% | 11.41% | 12.98% | 15.12% | Beats 38% | 159 / 258 | ||
| Total Risk-Based Capital Ratio | 13.25% | 12.10% | 13.91% | 16.08% | Beats 40% | 154 / 258 | ||
| Equity / Assets | 10.03% | 9.09% | 10.24% | 11.72% | Beats 46% | 139 / 258 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 81.75% | 73.24% | 86.34% | 95.95% | 39th pctl | 157 / 258 | ||
| Loans / Assets | 63.18% | 63.01% | 72.27% | 78.40% | 26th pctl | 192 / 258 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||