Bank419
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
$98.3MAssets
$68.9MLoans
$89.0MDeposits
$8.6MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 77% of banks under $1B in assets operating in a single state (rank 173 of 746).
- Widest gap: efficiency ratio trails 88% of banks under $1B in assets operating in a single state (rank 655 of 746).
- Overall: at or above the peer median on 3 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $3.4M · efficiency ratio beats 12% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |