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
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% | 1.46% | Beats 17% | 78 / 94 | |
| Return on Equity | 7.22% | 7.85% | 11.84% | 14.03% | Beats 23% | 72 / 94 | |
| Net Interest Margin | 3.15% | 3.42% | 3.81% | 4.18% | Beats 13% | 82 / 94 | |
| Efficiency Ratio | 76.53% | 55.99% | 62.41% | 73.02% | Beats 21% | 75 / 94 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.19% | 0.47% | 1.14% | Beats 100% | 6 / 94 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.05% | Beats 100% | 12 / 94 | |
| Capital |
| Tier 1 Capital Ratio | 9.37% | 10.28% | 11.95% | 15.07% | Beats 6% | 88 / 94 | |
| Total Risk-Based Capital Ratio | 9.37% | 10.31% | 12.59% | 15.88% | Beats 6% | 88 / 94 | |
| Equity / Assets | 8.18% | 8.98% | 10.21% | 11.41% | Beats 14% | 81 / 94 | |
| Liquidity & Funding |
| Loans / Deposits | 68.18% | 72.62% | 84.44% | 94.55% | 15th pctl | 80 / 94 | |
| Loans / Assets | 61.29% | 62.50% | 72.84% | 78.99% | 20th pctl | 75 / 94 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |