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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

4.69%Q2 ’244.84%Q2 ’255.22%Q2 ’26+6%+7%

Non-interest income vs. expense

2.68%Q2 ’242.68%Q2 ’252.30%Q2 ’26+1%-15%

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 1.33%, up 36 bps year over year; NIM at 3.58%.
  • Asset quality: problem loans at 0.08% of loans (-3 bps YoY), with net charge-offs at 0.04%.
  • 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 (quarter, annualized)

1.33%+36 bps YoY

Net Interest Margin (quarter, annualized)

3.58%+23 bps YoY

Efficiency Ratio (quarter, annualized)

56.50%-1,189 bps YoY

Tier 1 Leverage Ratio

10.13%-103 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.97%1.13%1.05%1.06%1.33%+36 bps
Return on Equity8.93%10.35%9.88%10.35%13.26%+434 bps
Net Interest Margin3.35%3.42%3.50%3.50%3.58%+23 bps
Efficiency Ratio68.39%65.04%64.12%62.83%56.50%-1,189 bps
Non-Interest Burden2.05%1.96%1.97%1.97%1.75%-30 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%0.01%0.02%0.00%0.04%+4 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