Metamora, OH · Cert 16167 · Metamora Bcorp Inc.
State charter, Fed member · FED · 3 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 in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
42
Asset Quality
41
Profitability
40
Liquidity
98
Efficiency
12
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.
Metamora, OH · Cert 16167 · Metamora Bcorp Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
Market Position · Toledo, OH · 2026 SOD (annual) · 0.6% share · #16 of 22 inst. · $0.1B of $16.1B
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 | 0.48% | 0.48% | 0.36% | 0.48% | 0.49% | 0.50% | 0.62% | 0.58% | +10 bps | |
| Return on Equity | 6.57% | 6.37% | 4.41% | 5.87% | 5.95% | 5.99% | 7.34% | 6.79% | +92 bps | |
| Net Interest Margin | 3.75% | 3.77% | 4.10% | 4.16% | 4.13% | 4.07% | 3.97% | 4.19% | +3 bps | |
| Efficiency Ratio | 85.08% | 85.68% | 88.36% | 84.22% | 83.81% | 84.52% | 81.70% | 84.25% | +3 bps | |
| Non-Interest Burden | 3.13% | 3.16% | 3.57% | 3.43% | 3.39% | 3.37% | 3.16% | 3.45% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.15% | -6.18% | -3.91% | 1.61% | -2.57% | 6.83% | 6.35% | -0.11% | -172 bps | |
| Loan Growth (YoY) | 7.99% | 3.30% | 3.87% | 3.64% | 1.85% | 2.82% | -0.14% | -4.68% | -833 bps | |
| Deposit Growth (YoY) | 3.12% | -9.10% | -6.77% | 0.90% | -3.46% | 7.28% | 8.20% | 1.56% | +66 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.04% | 0.06% | 0.06% | 0.06% | 0.20% | 1.38% | 1.42% | +136 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.04% | 0.00% | 0.00% | 0.00% | 0.00% | -0.01% | 0.01% | +1 bps | |
| Allowance / Loans | 1.18% | 1.15% | 1.16% | 1.19% | 1.23% | 1.23% | 1.25% | 1.29% | +10 bps | |
| Allowance Coverage of NPLs | n/a | 29.9x | 17.9x | 18.7x | 20.1x | 6.2x | 0.9x | 0.9x | -17.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.89% | 9.02% | 9.30% | 9.31% | 9.27% | 9.09% | 9.03% | 9.27% | -4 bps | |
| Total Risk-Based Capital | 13.92% | 14.32% | 14.64% | 14.24% | 14.09% | 14.01% | 14.39% | 14.86% | +62 bps | |
| Equity / Assets | 7.74% | 8.10% | 8.40% | 8.14% | 8.49% | 8.35% | 8.55% | 8.76% | +61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.75% | 84.27% | 86.27% | 82.46% | 83.09% | 80.77% | 79.62% | 77.39% | -507 bps | |
| Liquid Assets / Assets | 0.10% | 0.11% | 0.11% | 0.10% | 0.10% | 0.10% | 0.10% | 0.10% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 176.21% | 172.31% | 167.12% | n/a | n/a | |
Metamora, OH · Cert 16167 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Metamora Bcorp Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
Return on Assets
0.59%
Rank 612 of 746
Net Interest Margin
4.19%
Rank 173 of 746
Efficiency Ratio
84.25%
Rank 655 of 746
Equity / Assets
8.76%
Rank 577 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.59% | 0.72% | 1.06% | 1.45% | Beats 18% | 612 / 746 | ||
| Return on Equity | 6.74% | 6.74% | 10.51% | 13.63% | Beats 25% | 561 / 746 | ||
| Net Interest Margin | 4.19% | 3.17% | 3.68% | 4.16% | Beats 77% | 173 / 746 | ||
| Efficiency Ratio | 84.25% | 55.74% | 64.58% | 75.47% | Beats 12% | 655 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.42% | 0.09% | 0.42% | 1.07% | Beats 18% | 611 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 64% | 274 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.61% | 11.55% | 13.75% | 17.60% | Beats 48% | 385 / 746 | ||
| Total Risk-Based Capital Ratio | 14.86% | 11.71% | 14.33% | 18.43% | Beats 55% | 339 / 746 | ||
| Equity / Assets | 8.76% | 8.90% | 10.51% | 13.06% | Beats 23% | 577 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 77.39% | 61.31% | 78.27% | 90.78% | 49th pctl | 382 / 746 | ||
| Loans / Assets | 70.06% | 53.60% | 66.97% | 76.08% | 58th pctl | 317 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||