Upper Sandusky, OH · Cert 14355
National charter · OCC · 8 branches
Q2 2026
Market Position · Columbus, OH · 2026 SOD (annual) · 0.0% share · #45 of 53 inst. · $0.0B of $124.6B
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 | 0.53% | 0.50% | 0.44% | 0.53% | 0.62% | 0.52% | 0.32% | 0.48% | -4 bps | |
| Return on Equity | 5.32% | 4.95% | 4.18% | 4.94% | 5.70% | 4.73% | 2.80% | 4.25% | -69 bps | |
| Net Interest Margin | 3.14% | 3.17% | 3.21% | 3.23% | 3.33% | 3.38% | 3.46% | 3.53% | +30 bps | |
| Efficiency Ratio | 83.26% | 84.17% | 86.51% | 83.85% | 82.09% | 85.33% | 91.30% | 86.60% | +275 bps | |
| Non-Interest Burden | 2.54% | 2.60% | 2.72% | 2.64% | 2.64% | 2.81% | 3.11% | 2.99% | +35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.67% | -2.07% | -1.01% | -1.61% | -3.28% | -1.34% | -0.24% | 6.90% | +852 bps | |
| Loan Growth (YoY) | 3.77% | 2.00% | 1.94% | -3.65% | -5.27% | -0.13% | 3.78% | 14.14% | +1,779 bps | |
| Deposit Growth (YoY) | 6.44% | 1.84% | 4.39% | 1.62% | -2.08% | -1.01% | 0.82% | 4.85% | +323 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.10% | 0.03% | 0.04% | 0.04% | 0.06% | 0.01% | 0.01% | 0.01% | -3 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.01% | -0.01% | 0.00% | -0.01% | -0.01% | -0.01% | -0.01% | 0 bps | |
| Allowance / Loans | 1.13% | 1.16% | 1.18% | 1.22% | 1.16% | 1.08% | 1.07% | 1.01% | -21 bps | |
| Allowance Coverage of NPLs | 11.2x | 33.5x | 33.6x | 33.2x | 19.3x | 121.4x | 164.9x | 165.1x | +132.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.10% | 12.19% | 12.37% | 12.51% | 13.01% | 13.02% | 12.70% | 12.59% | +9 bps | |
| Total Risk-Based Capital | 12.10% | 12.19% | 12.37% | 12.51% | 13.01% | 13.02% | 12.70% | 12.59% | +9 bps | |
| Equity / Assets | 10.53% | 10.39% | 10.47% | 11.20% | 11.56% | 11.72% | 11.27% | 11.17% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.34% | 72.52% | 68.74% | 68.82% | 68.05% | 73.16% | 70.75% | 74.92% | +610 bps | |
| Liquid Assets / Assets | 4.22% | 3.35% | 7.04% | 4.64% | 5.54% | 2.43% | 3.95% | 3.86% | -77 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 220% | 224% | 242% | n/a | n/a | |