Hicksville, OH · Cert 16370 · Empire Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Fort Wayne, IN · 2026 SOD (annual) · 0.3% share · #22 of 26 inst. · $0.0B of $11.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 0.56% | 0.49% | 0.63% | 0.68% | 0.98% | 0.56% | 0.61% | -2 bps | |
| Return on Equity | 4.27% | 7.67% | 6.84% | 8.40% | 8.71% | 11.97% | 6.77% | 7.51% | -89 bps | |
| Net Interest Margin | 2.72% | 2.72% | 2.91% | 3.08% | 3.16% | 3.35% | 3.08% | 3.20% | +13 bps | |
| Efficiency Ratio | 85.99% | 78.63% | 80.14% | 74.34% | 73.85% | 80.99% | 76.99% | 76.09% | +175 bps | |
| Non-Interest Burden | 2.29% | 2.07% | 2.28% | 2.21% | 2.25% | 2.65% | 2.31% | 2.37% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.17% | 13.27% | 13.18% | 10.70% | 4.65% | 3.21% | 5.31% | 4.04% | -666 bps | |
| Loan Growth (YoY) | 15.88% | 16.67% | 12.88% | 11.78% | 7.45% | 2.60% | 4.49% | 1.43% | -1,035 bps | |
| Deposit Growth (YoY) | 15.89% | 16.05% | 13.64% | 10.81% | 4.15% | 1.60% | 4.49% | 3.33% | -748 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.60% | 0.58% | 0.56% | 0.00% | 0.00% | 0.00% | -58 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.14% | -0.12% | 0.00% | 0.00% | -0.80% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.87% | 0.85% | 0.91% | 0.93% | 0.93% | 0.92% | 0.96% | 1.00% | +7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 1.5x | 1.6x | 1.7x | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.35% | 8.83% | 9.40% | 9.38% | 9.58% | 9.49% | 9.38% | 9.37% | -1 bps | |
| Total Risk-Based Capital | 9.35% | 8.83% | 9.40% | 9.38% | 9.58% | 9.49% | 9.38% | 9.37% | -1 bps | |
| Equity / Assets | 7.53% | 6.97% | 7.43% | 7.55% | 8.03% | 8.33% | 8.13% | 8.18% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.90% | 69.82% | 67.25% | 69.46% | 70.05% | 70.51% | 67.25% | 68.18% | -127 bps | |
| Liquid Assets / Assets | 6.08% | 5.54% | 8.60% | 6.36% | 5.38% | 6.01% | 9.01% | 7.09% | +73 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 212% | 207% | 196.27% | n/a | n/a | |