Hamler, OH · Cert 14920
State charter, Fed member · FED · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.01% | 0.99% | 0.43% | 0.40% | 1.33% | 0.70% | 0.82% | 1.16% | +76 bps | |
| Return on Equity | 7.31% | 7.05% | 3.19% | 3.01% | 9.81% | 5.07% | 6.08% | 8.73% | +573 bps | |
| Net Interest Margin | 2.35% | 2.43% | 2.34% | 2.57% | 2.71% | 2.84% | 2.71% | 2.92% | +35 bps | |
| Efficiency Ratio | 46.64% | 49.45% | 74.69% | 44.85% | 39.48% | 42.90% | 59.87% | 48.64% | +379 bps | |
| Non-Interest Burden | 1.03% | 1.14% | 1.72% | 1.09% | 1.00% | 1.14% | 1.57% | 1.36% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.70% | 7.90% | 7.23% | 7.33% | 6.56% | 6.63% | 7.68% | 6.16% | -117 bps | |
| Loan Growth (YoY) | 6.02% | 7.83% | 5.41% | 6.60% | 3.08% | 4.33% | 6.85% | 5.85% | -74 bps | |
| Deposit Growth (YoY) | 7.66% | 8.63% | 7.44% | 8.12% | 7.10% | 6.56% | 8.15% | 5.88% | -224 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.63% | 2.58% | 2.61% | 2.71% | 2.05% | 1.50% | 1.44% | 1.38% | -133 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | -0.09% | 2.97% | 0.03% | 0.00% | 0.00% | +9 bps | |
| Allowance / Loans | 1.16% | 1.16% | 1.22% | 1.54% | 0.82% | 1.09% | 1.14% | 1.13% | -41 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.5x | 0.5x | 0.6x | 0.4x | 0.7x | 0.8x | 0.8x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.24% | 15.35% | 14.36% | 14.49% | 14.65% | 14.73% | 14.02% | 14.34% | -15 bps | |
| Total Risk-Based Capital | 15.24% | 15.35% | 14.36% | 14.49% | 14.65% | 14.73% | 14.02% | 14.34% | -15 bps | |
| Equity / Assets | 14.09% | 13.96% | 13.32% | 13.43% | 13.76% | 13.95% | 13.04% | 13.51% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.45% | 82.82% | 78.21% | 81.06% | 79.35% | 81.08% | 77.28% | 81.04% | -2 bps | |
| Liquid Assets / Assets | 8.43% | 8.89% | 7.28% | 7.80% | 8.41% | 10.95% | 11.13% | 11.05% | +325 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 197.52% | 200% | 207% | n/a | n/a | |