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Antwerp Exchange Bank Company, The

Antwerp, OH · Cert 14523 · Diamond Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$161.3MAssets
$111.3MLoans
$148.2MDeposits
$12.7MEquity
Loan mix
87%RE $94.6M10%C&I $11.0M3%Consumer $3.1MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $111.2M25%Noninterest $36.9MQ2 2025Q2 2026

NIM

4.73%Q2 ’244.83%Q2 ’255.00%Q2 ’26+6%+14%

Non-interest income vs. expense

3.01%Q2 ’243.16%Q2 ’253.66%Q2 ’26+6%+18%

Market Position · Fort Wayne, IN · 2026 SOD (annual) · 0.2% share · #24 of 26 inst. · $0.0B of $11.1B

25.8% Paulding
0.2% Allen

Executive Summary

  • Earnings: ROA of 0.30%, down 6 bps year over year; NIM at 3.76%.
  • Asset quality: problem loans at 0.70% of loans (-9 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 9.72%, down 3 bps from a year ago.
  • Funding: loans stand at 75.08% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.30%-6 bps YoY

Net Interest Margin (quarter, annualized)

3.76%+45 bps YoY

Efficiency Ratio (quarter, annualized)

88.57%+252 bps YoY

Tier 1 Leverage Ratio

9.72%-3 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.36%0.82%0.32%0.41%0.30%-6 bps
Return on Equity4.74%10.37%3.94%5.20%3.77%-97 bps
Net Interest Margin3.31%3.35%3.60%3.47%3.76%+45 bps
Efficiency Ratio86.05%72.86%88.34%85.11%88.57%+252 bps
Non-Interest Burden2.79%2.35%3.14%2.88%3.29%+49 bps
Growth
Asset Growth (YoY)2.36%1.71%4.18%3.74%4.62%+225 bps
Loan Growth (YoY)1.22%-1.85%-1.17%-1.74%-2.07%-329 bps
Deposit Growth (YoY)3.65%2.26%4.41%3.15%4.45%+80 bps
Asset Quality
Nonperforming Loans / Loans0.79%0.48%0.97%0.60%0.70%-9 bps
Net Charge-Offs / Loans0.39%-0.12%0.01%-0.02%0.08%-30 bps
Allowance / Loans0.76%0.84%0.84%0.87%0.87%+11 bps
Allowance Coverage of NPLs1.0x1.8x0.9x1.4x1.3x+0.3x
Capital
Tier 1 Leverage Ratio9.75%10.01%9.69%9.67%9.72%-3 bps
Total Risk-Based Capital14.92%15.72%15.27%14.77%9.72%-520 bps
Equity / Assets7.65%8.08%8.06%7.88%7.88%+23 bps
Liquidity & Funding
Loans / Deposits80.08%77.22%76.84%75.31%75.08%-500 bps
Liquid Assets / Assets0.18%0.96%0.95%0.94%0.19%+1 bps
CRE / Total Capitaln/a130.94%127.58%100.64%n/an/a