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 | |