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=99). 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
53
Profitability
56
Liquidity
86
Efficiency
71
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=99) · FSB Financial Corp.
State charter, non-member · FDIC · 9 branches
Q2 2026
Return on Assets
1.34%
Rank 34 of 99
Net Interest Margin
3.84%
Rank 46 of 99
Efficiency Ratio
57.26%
Rank 30 of 99
Equity / Assets
11.31%
Rank 28 of 99
| 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% | 1.48% | Beats 66% | 34 / 99 | ||
| Return on Equity | 11.84% | 7.92% | 11.87% | 14.08% | Beats 48% | 51 / 99 | ||
| Net Interest Margin | 3.84% | 3.44% | 3.80% | 4.18% | Beats 54% | 46 / 99 | ||
| Efficiency Ratio | 57.26% | 55.83% | 62.41% | 73.02% | Beats 71% | 30 / 99 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.28% | 0.19% | 0.46% | 1.04% | Beats 66% | 35 / 99 | ||
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.02% | 0.06% | Beats 40% | 60 / 99 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.86% | 10.28% | 11.95% | 14.75% | Beats 32% | 67 / 99 | ||
| Total Risk-Based Capital Ratio | 10.86% | 10.45% | 12.59% | 15.64% | Beats 30% | 69 / 99 | ||
| Equity / Assets | 11.31% | 8.89% | 10.14% | 11.36% | Beats 72% | 28 / 99 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 81.08% | 74.57% | 84.03% | 94.55% | 41st pctl | 58 / 99 | ||
| Loans / Assets | 71.25% | 62.55% | 71.25% | 78.99% | 49th pctl | 50 / 99 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||