New Madison, OH · Cert 14991 · FSB Financial Corp.
State charter, non-member · FDIC · 9 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets operating regionally (n=94). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
45
Asset Quality
52
Profitability
57
Liquidity
86
Efficiency
72
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.
New Madison, OH · Cert 14991 · FSB Financial Corp.
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Cincinnati, OH-KY-IN · 2026 SOD (annual) · 0.0% share · #52 of 54 inst. · $0.0B of $187.5B
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 | 0.92% | 1.00% | 1.20% | 1.24% | 1.17% | 1.16% | 1.22% | 1.34% | +9 bps | |
| Return on Equity | 8.13% | 8.86% | 10.31% | 10.70% | 10.45% | 10.48% | 11.21% | 12.14% | +144 bps | |
| Net Interest Margin | 3.38% | 3.33% | 3.46% | 3.46% | 2.89% | 3.04% | 3.65% | 3.84% | +38 bps | |
| Efficiency Ratio | 71.79% | 69.88% | 65.73% | 62.61% | 62.44% | 61.74% | 59.58% | 57.26% | -535 bps | |
| Non-Interest Burden | 2.28% | 2.18% | 1.95% | 1.90% | 1.57% | 1.66% | 1.98% | 1.98% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.06% | 4.20% | 7.44% | 10.08% | 42.26% | 36.06% | 35.09% | 29.58% | +1,950 bps | |
| Loan Growth (YoY) | 4.76% | 5.03% | 8.87% | 13.99% | 40.72% | 38.29% | 32.57% | 26.50% | +1,251 bps | |
| Deposit Growth (YoY) | 5.66% | 6.67% | 6.91% | 9.25% | 40.43% | 36.68% | 36.80% | 31.62% | +2,237 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.07% | 0.10% | 0.02% | 0.07% | 0.97% | 0.62% | 0.69% | 0.28% | +22 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.03% | 0.02% | 0.01% | 0.10% | 0.06% | +3 bps | |
| Allowance / Loans | 1.43% | 1.40% | 1.36% | 1.30% | 1.08% | 1.10% | 1.14% | 1.16% | -14 bps | |
| Allowance Coverage of NPLs | 21.1x | 14.1x | 63.1x | 19.6x | 1.1x | 1.8x | 1.7x | 4.1x | -15.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.59% | 13.56% | 13.84% | 13.42% | 10.16% | 10.36% | 10.42% | 10.86% | -257 bps | |
| Total Risk-Based Capital | 13.59% | 13.56% | 13.84% | 13.42% | 10.16% | 10.36% | 10.42% | 10.86% | -257 bps | |
| Equity / Assets | 11.68% | 11.50% | 11.73% | 11.59% | 10.18% | 10.83% | 10.86% | 11.31% | -29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.15% | 81.44% | 82.77% | 84.37% | 82.32% | 82.40% | 80.21% | 81.08% | -328 bps | |
| Liquid Assets / Assets | 4.40% | 4.52% | 4.33% | 3.39% | 8.70% | 4.47% | 9.01% | 8.17% | +478 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 105.47% | 99.87% | 97.63% | n/a | n/a | |
New Madison, OH · Cert 14991 · Peer group: banks under $1B in assets operating regionally (n=94) · FSB Financial Corp.
State charter, non-member · FDIC · 9 branches
Q2 2026
Return on Assets
1.34%
Rank 31 of 94
Net Interest Margin
3.84%
Rank 44 of 94
Efficiency Ratio
57.26%
Rank 27 of 94
Equity / Assets
11.31%
Rank 28 of 94
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.34% | 0.82% | 1.19% | 1.46% | Beats 67% | 31 / 94 | ||
| Return on Equity | 11.84% | 7.85% | 11.84% | 14.03% | Beats 50% | 47 / 94 | ||
| Net Interest Margin | 3.84% | 3.42% | 3.81% | 4.18% | Beats 53% | 44 / 94 | ||
| Efficiency Ratio | 57.26% | 55.99% | 62.41% | 73.02% | Beats 72% | 27 / 94 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.28% | 0.19% | 0.47% | 1.14% | Beats 65% | 34 / 94 | ||
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.02% | 0.05% | Beats 38% | 59 / 94 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.86% | 10.28% | 11.95% | 15.07% | Beats 33% | 63 / 94 | ||
| Total Risk-Based Capital Ratio | 10.86% | 10.31% | 12.59% | 15.88% | Beats 32% | 64 / 94 | ||
| Equity / Assets | 11.31% | 8.98% | 10.21% | 11.41% | Beats 70% | 28 / 94 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 81.08% | 72.62% | 84.44% | 94.55% | 43rd pctl | 54 / 94 | ||
| Loans / Assets | 71.25% | 62.50% | 72.84% | 78.99% | 47th pctl | 50 / 94 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||