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Bank419

Metamora, OH · Cert 16167 · Metamora Bcorp Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

$98.3MAssets
$68.9MLoans
$89.0MDeposits
$8.6MEquity
Loan mix
88%RE $57.4M9%C&I $6.0M2%Consumer $1.5MQ2 2025Q2 2026
Deposit mix
66%Interest-bearing $58.8M34%Noninterest $30.3MQ2 2025Q2 2026

NIM

4.79%Q2 ’245.02%Q2 ’255.07%Q2 ’26+15%+2%

Non-interest income vs. expense

3.54%Q2 ’243.78%Q2 ’254.19%Q2 ’26+7%+11%

Market Position · Toledo, OH · 2026 SOD (annual) · 0.6% share · #16 of 22 inst. · $0.1B of $16.1B

3.3% Fulton
0.4% Lucas

Executive Summary

  • Earnings: ROA of 0.54%, down 6 bps year over year; NIM at 4.32%.
  • Asset quality: problem loans at 1.42% of loans (+136 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 9.27%, down 4 bps from a year ago.
  • Funding: loans stand at 77.39% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.54%-6 bps YoY

Net Interest Margin (quarter, annualized)

4.32%+8 bps YoY

Efficiency Ratio (quarter, annualized)

86.64%+639 bps YoY

Tier 1 Leverage Ratio

9.27%-4 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.60%0.51%0.51%0.62%0.54%-6 bps
Return on Equity7.28%6.12%6.11%7.34%6.24%-104 bps
Net Interest Margin4.24%4.22%4.18%3.97%4.32%+8 bps
Efficiency Ratio80.25%83.02%86.56%81.70%86.64%+639 bps
Non-Interest Burden3.31%3.43%3.55%3.16%3.68%+36 bps
Growth
Asset Growth (YoY)1.61%-2.57%6.83%6.35%-0.11%-172 bps
Loan Growth (YoY)3.64%1.85%2.82%-0.14%-4.68%-833 bps
Deposit Growth (YoY)0.90%-3.46%7.28%8.20%1.56%+66 bps
Asset Quality
Nonperforming Loans / Loans0.06%0.06%0.20%1.38%1.42%+136 bps
Net Charge-Offs / Loans-0.01%0.01%0.01%-0.01%0.02%+3 bps
Allowance / Loans1.19%1.23%1.23%1.25%1.29%+10 bps
Allowance Coverage of NPLs18.7x20.1x6.2x0.9x0.9x-17.7x
Capital
Tier 1 Leverage Ratio9.31%9.27%9.09%9.03%9.27%-4 bps
Total Risk-Based Capital14.24%14.09%14.01%14.39%14.86%+62 bps
Equity / Assets8.14%8.49%8.35%8.55%8.76%+61 bps
Liquidity & Funding
Loans / Deposits82.46%83.09%80.77%79.62%77.39%-507 bps
Liquid Assets / Assets0.10%0.10%0.10%0.10%0.10%0 bps
CRE / Total Capitaln/a176.21%172.31%167.12%n/an/a