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 | |