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Hicksville Bank, The

Hicksville, OH · Cert 16370 · Empire Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating regionally3

Basis

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.

Peer group

Banks under $1B in assets operating regionally (n=94). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

9

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

18

Q2 2024Q2 2026peer median (50)

Liquidity

28

Q2 2024Q2 2026peer median

Efficiency

21

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Hicksville Bank, The

Hicksville, OH · Cert 16370 · Empire Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$220.6MAssets
$135.2MLoans
$198.3MDeposits
$18.0MEquity
Loan mix
93%RE $121.5M7%C&I $8.8M1%Consumer $0.8MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $166.2M16%Noninterest $32.1MQ2 2025Q2 2026

NIM

4.40%Q2 ’244.80%Q2 ’254.84%Q2 ’26+10%+6%

Non-interest income vs. expense

2.64%Q2 ’242.51%Q2 ’252.62%Q2 ’26-3%+5%

Market Position · Fort Wayne, IN · 2026 SOD (annual) · 0.3% share · #22 of 26 inst. · $0.0B of $11.1B

5.6% Defiance
4.4% DeKalb
3.7% Williams
0.4% Allen

Executive Summary

  • Earnings: ROA of 0.59%, up 3 bps year over year; NIM at 3.15%.
  • Asset quality: problem loans at 0.00% of loans (-58 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.37%, down 1 bps from a year ago.
  • Funding: loans stand at 68.18% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.59%+3 bps YoY

Net Interest Margin (YTD, annualized)

3.15%+17 bps YoY

Efficiency Ratio (YTD, annualized)

76.53%-62 bps YoY

Tier 1 Leverage Ratio

9.37%-1 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.56%0.60%0.70%0.56%0.59%+3 bps
Return on Equity7.69%8.01%9.09%6.77%7.16%-53 bps
Net Interest Margin2.98%3.05%3.06%3.08%3.15%+17 bps
Efficiency Ratio77.15%76.01%77.38%76.99%76.53%-62 bps
Non-Interest Burden2.24%2.25%2.30%2.31%2.35%+11 bps
Growth
Asset Growth (YoY)10.70%4.65%3.21%5.31%4.04%-666 bps
Loan Growth (YoY)11.78%7.45%2.60%4.49%1.43%-1,035 bps
Deposit Growth (YoY)10.81%4.15%1.60%4.49%3.33%-748 bps
Asset Quality
Nonperforming Loans / Loans0.58%0.56%0.00%0.00%0.00%-58 bps
Net Charge-Offs / Loans-0.06%-0.04%-0.23%0.00%0.00%+6 bps
Allowance / Loans0.93%0.93%0.92%0.96%1.00%+7 bps
Allowance Coverage of NPLs1.6x1.7xn/an/an/an/a
Capital
Tier 1 Leverage Ratio9.38%9.58%9.49%9.38%9.37%-1 bps
Total Risk-Based Capital9.38%9.58%9.49%9.38%9.37%-1 bps
Equity / Assets7.55%8.03%8.33%8.13%8.18%+62 bps
Liquidity & Funding
Loans / Deposits69.46%70.05%70.51%67.25%68.18%-127 bps
Liquid Assets / Assets6.36%5.38%6.01%9.01%7.09%+73 bps
CRE / Total Capitaln/a212%207%196.27%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Hicksville Bank, The

Hicksville, OH · Cert 16370 · Peer group: banks under $1B in assets operating regionally (n=94) · Empire Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$220.6MAssets
$135.2MLoans
$198.3MDeposits
$18.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating regionally (rank 6 of 94).
  • Widest gap: total risk-based capital ratio trails 94% of banks under $1B in assets operating regionally (rank 88 of 94).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.59%

Rank 78 of 94

Net Interest Margin

3.15%

Rank 82 of 94

Efficiency Ratio

76.53%

Rank 75 of 94

Equity / Assets

8.18%

Rank 81 of 94

Non-interest income vs. expense

$0.6M$5.8MINCOMEEXPENSE
Unfavorable gap of $5.3M · efficiency ratio beats 21% of banks under $1B in assets operating regionally
Bank 76.53%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.59%0.82%1.19%1.46%Beats 17%78 / 94
Return on Equity7.22%7.85%11.84%14.03%Beats 23%72 / 94
Net Interest Margin3.15%3.42%3.81%4.18%Beats 13%82 / 94
Efficiency Ratio76.53%55.99%62.41%73.02%Beats 21%75 / 94
Asset Quality
Nonperforming Loans / Loans0.00%0.19%0.47%1.14%Beats 100%6 / 94
Net Charge-Offs / Loans0.00%0.00%0.02%0.05%Beats 100%12 / 94
Capital
Tier 1 Capital Ratio9.37%10.28%11.95%15.07%Beats 6%88 / 94
Total Risk-Based Capital Ratio9.37%10.31%12.59%15.88%Beats 6%88 / 94
Equity / Assets8.18%8.98%10.21%11.41%Beats 14%81 / 94
Liquidity & Funding
Loans / Deposits68.18%72.62%84.44%94.55%15th pctl80 / 94
Loans / Assets61.29%62.50%72.84%78.99%20th pctl75 / 94
Brokered Deposits / Depositsn/aNot reported for this institution