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Hamler State Bank, The

Hamler, OH · Cert 14920

State charter, Fed member · FED · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OH3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in OH (n=68 to 71). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

60

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

33

Q2 2024Q2 2026peer median (50)

Liquidity

81

Q2 2024Q2 2026peer median

Efficiency

80

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Hamler State Bank, The

Hamler, OH · Cert 14920

State charter, Fed member · FED · 1 branch

Q2 2026

$125.3MAssets
$87.0MLoans
$107.4MDeposits
$16.9MEquity
Loan mix
92%RE $73.0M6%C&I $4.6M2%Consumer $1.6MQ2 2025Q2 2026
Deposit mix
89%Interest-bearing $95.2M11%Noninterest $12.2MQ2 2025Q2 2026

NIM

4.36%Q2 ’244.60%Q2 ’254.80%Q2 ’26+11%+15%

Non-interest income vs. expense

1.52%Q2 ’241.52%Q2 ’251.59%Q2 ’26+2%+4%

Executive Summary

  • Earnings: ROA of 0.99%, up 58 bps year over year; NIM at 2.81%.
  • Asset quality: problem loans at 1.38% of loans (-133 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.34%, down 15 bps from a year ago.
  • Funding: loans stand at 81.04% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.99%+58 bps YoY

Net Interest Margin (YTD, annualized)

2.81%+36 bps YoY

Efficiency Ratio (YTD, annualized)

54.06%-504 bps YoY

Tier 1 Leverage Ratio

14.34%-15 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.42%0.73%0.72%0.82%0.99%+58 bps
Return on Equity3.08%5.35%5.29%6.08%7.36%+428 bps
Net Interest Margin2.45%2.51%2.58%2.71%2.81%+36 bps
Efficiency Ratio59.09%52.06%49.53%59.87%54.06%-504 bps
Non-Interest Burden1.40%1.25%1.22%1.57%1.46%+6 bps
Growth
Asset Growth (YoY)7.33%6.56%6.63%7.68%6.16%-117 bps
Loan Growth (YoY)6.60%3.08%4.33%6.85%5.85%-74 bps
Deposit Growth (YoY)8.12%7.10%6.56%8.15%5.88%-224 bps
Asset Quality
Nonperforming Loans / Loans2.71%2.05%1.50%1.44%1.38%-133 bps
Net Charge-Offs / Loans-0.05%0.96%0.71%0.00%0.00%+5 bps
Allowance / Loans1.54%0.82%1.09%1.14%1.13%-41 bps
Allowance Coverage of NPLs0.6x0.4x0.7x0.8x0.8x+0.2x
Capital
Tier 1 Leverage Ratio14.49%14.65%14.73%14.02%14.34%-15 bps
Total Risk-Based Capital14.49%14.65%14.73%14.02%14.34%-15 bps
Equity / Assets13.43%13.76%13.95%13.04%13.51%+8 bps
Liquidity & Funding
Loans / Deposits81.06%79.35%81.08%77.28%81.04%-2 bps
Liquid Assets / Assets7.80%8.41%10.95%11.13%11.05%+325 bps
CRE / Total Capitaln/a197.52%200%207%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Hamler State Bank, The

Hamler, OH · Cert 14920 · Peer group: banks under $1B in assets in OH (n=68-71)

State charter, Fed member · FED · 1 branch

Q2 2026

$125.3MAssets
$87.0MLoans
$107.4MDeposits
$16.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in OH (rank 26 of 68).
  • Widest gap: nonperforming loans / loans trails 82% of banks under $1B in assets in OH (rank 57 of 68).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.98%

Rank 37 of 71

Net Interest Margin

2.81%

Rank 58 of 71

Efficiency Ratio

54.06%

Rank 15 of 71

Equity / Assets

13.51%

Rank 17 of 71

Non-interest income vs. expense

$0.2M$2.0MINCOMEEXPENSE
Unfavorable gap of $1.8M · efficiency ratio beats 80% of banks under $1B in assets in OH
Bank 54.06%Peer median 70.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.98%0.62%1.02%1.39%Beats 48%37 / 71
Return on Equity7.28%5.62%10.07%13.60%Beats 32%48 / 71
Net Interest Margin2.81%2.93%3.56%4.07%Beats 18%58 / 71
Efficiency Ratio54.06%55.94%70.77%78.80%Beats 80%15 / 71
Asset Quality
Nonperforming Loans / Loans1.38%0.08%0.27%0.97%Beats 18%57 / 68
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 100%26 / 68
Capital
Tier 1 Capital Ratio14.34%11.18%13.77%20.34%Beats 55%32 / 71
Total Risk-Based Capital Ratio14.34%12.08%14.34%21.24%Beats 49%36 / 71
Equity / Assets13.51%8.41%10.74%13.32%Beats 76%17 / 71
Liquidity & Funding
Loans / Deposits81.04%64.48%76.81%87.49%65th pctl24 / 68
Loans / Assets69.44%55.33%65.58%72.51%61st pctl28 / 71
Brokered Deposits / Depositsn/aNot reported for this institution