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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.94% | 1.00% | 1.01% | 1.06% | 1.20% | +26 bps | |
| Return on Equity | 8.65% | 9.23% | 9.40% | 10.35% | 11.77% | +312 bps | |
| Net Interest Margin | 3.27% | 3.25% | 3.20% | 3.50% | 3.47% | +20 bps | |
| Efficiency Ratio | 69.36% | 67.84% | 66.82% | 62.83% | 59.55% | -981 bps | |
| Non-Interest Burden | 2.04% | 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 / Loans | 0.11% | 0.14% | 0.08% | 0.12% | 0.08% | -3 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.00% | 0.02% | +2 bps | |
| Allowance / Loans | 1.16% | 1.14% | 1.11% | 1.12% | 1.11% | -5 bps | |
| Allowance Coverage of NPLs | 10.9x | 8.1x | 13.9x | 9.2x | 14.4x | +3.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.16% | 10.95% | 10.53% | 10.28% | 10.13% | -103 bps | |
| Total Risk-Based Capital | 14.76% | 14.43% | 13.45% | 13.27% | 13.25% | -151 bps | |
| Equity / Assets | 11.01% | 10.76% | 10.43% | 10.05% | 10.03% | -98 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 76.16% | 77.94% | 85.23% | 84.19% | 81.75% | +559 bps | |
| Liquid Assets / Assets | 2.42% | 0.03% | 1.22% | 1.91% | 6.00% | +358 bps | |
| CRE / Total Capital | n/a | 369% | 415% | 440% | n/a | n/a | |