Hicksville Bank, The
Hicksville, OH · Cert 16370 · Peer group: banks under $1B in assets operating regionally (n=99) · 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 99).
- Widest gap: total risk-based capital ratio trails 93% of banks under $1B in assets operating regionally (rank 92 of 99).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.59%
Rank 81 of 99
Net Interest Margin
3.15%
Rank 87 of 99
Efficiency Ratio
76.53%
Rank 79 of 99
Equity / Assets
8.18%
Rank 83 of 99
Non-interest income vs. expense
Unfavorable gap of $5.3M · efficiency ratio beats 21% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.59% | 0.82% | 1.19% | 1.48% | Beats 18% | 81 / 99 | |
| Return on Equity | 7.22% | 7.92% | 11.87% | 14.08% | Beats 22% | 77 / 99 | |
| Net Interest Margin | 3.15% | 3.44% | 3.80% | 4.18% | Beats 12% | 87 / 99 | |
| Efficiency Ratio | 76.53% | 55.83% | 62.41% | 73.02% | Beats 21% | 79 / 99 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.19% | 0.46% | 1.04% | Beats 100% | 6 / 99 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.06% | Beats 100% | 12 / 99 | |
| Capital |
| Tier 1 Capital Ratio | 9.37% | 10.28% | 11.95% | 14.75% | Beats 7% | 92 / 99 | |
| Total Risk-Based Capital Ratio | 9.37% | 10.45% | 12.59% | 15.64% | Beats 7% | 92 / 99 | |
| Equity / Assets | 8.18% | 8.89% | 10.14% | 11.36% | Beats 16% | 83 / 99 | |
| Liquidity & Funding |
| Loans / Deposits | 68.18% | 74.57% | 84.03% | 94.55% | 13th pctl | 86 / 99 | |
| Loans / Assets | 61.29% | 62.55% | 71.25% | 78.99% | 19th pctl | 80 / 99 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |