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Letter portraitLegal landscapeQuarterYTD

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 $82.5MQ3 2024Q2 2026
Deposit mix
73%Interest-bearing $798.8M27%Noninterest $294.6MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.92%0.90%0.90%0.94%1.00%1.01%1.06%1.20%+26 bps
Return on Equity8.46%8.27%8.37%8.65%9.23%9.40%10.35%11.77%+312 bps
Net Interest Margin3.04%3.11%3.21%3.27%3.25%3.20%3.50%3.47%+20 bps
Efficiency Ratio69.19%69.92%70.40%69.36%67.84%66.82%62.83%59.55%-981 bps
Non-Interest Burden1.86%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 / Loans0.14%0.11%0.10%0.11%0.14%0.08%0.12%0.08%-3 bps
Net Charge-Offs / Loans0.00%0.02%0.00%0.00%0.00%0.01%0.00%0.02%+2 bps
Allowance / Loans1.22%1.18%1.18%1.16%1.14%1.11%1.12%1.11%-5 bps
Allowance Coverage of NPLs9.0x10.6x11.9x10.9x8.1x13.9x9.2x14.4x+3.6x
Capital
Tier 1 Leverage Ratio11.30%11.32%11.13%11.16%10.95%10.53%10.28%10.13%-103 bps
Total Risk-Based Capital14.99%14.72%14.92%14.76%14.43%13.45%13.27%13.25%-151 bps
Equity / Assets11.32%10.76%10.72%11.01%10.76%10.43%10.05%10.03%-98 bps
Liquidity & Funding
Loans / Deposits77.46%77.81%74.06%76.16%77.94%85.23%84.19%81.75%+559 bps
Liquid Assets / Assets2.91%1.47%3.62%2.42%0.03%1.22%1.91%6.00%+358 bps
CRE / Total Capitaln/an/an/an/a369%415%440%n/an/a