Minerva, OH · Cert 19482 · Consumers Bcorp Inc.
National charter · OCC · 23 branches
Q2 2026
Market Position · Canton-Massillon, OH · 2026 SOD (annual) · 6.2% share · #6 of 18 inst. · $0.7B of $10.7B
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 | 0.80% | 0.81% | 0.68% | 0.75% | 0.81% | 0.84% | 0.94% | 0.95% | +20 bps | |
| Return on Equity | 13.45% | 13.54% | 10.77% | 11.76% | 12.43% | 12.69% | 13.25% | 13.42% | +165 bps | |
| Net Interest Margin | 2.83% | 2.84% | 3.02% | 3.05% | 3.05% | 3.05% | 3.28% | 3.23% | +18 bps | |
| Efficiency Ratio | 70.20% | 69.89% | 72.23% | 70.61% | 69.76% | 69.31% | 68.43% | 67.56% | -306 bps | |
| Non-Interest Burden | 1.85% | 1.84% | 2.06% | 2.02% | 1.98% | 1.97% | 2.09% | 2.03% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.15% | 2.69% | 3.96% | 6.24% | 5.75% | 9.19% | 9.18% | 9.86% | +362 bps | |
| Loan Growth (YoY) | 7.07% | 3.70% | 3.42% | 7.14% | 8.67% | 14.30% | 17.87% | 15.27% | +813 bps | |
| Deposit Growth (YoY) | 3.91% | 5.20% | 5.18% | 6.59% | 7.08% | 9.14% | 8.21% | 8.10% | +152 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.12% | 0.11% | 0.12% | 0.13% | 0.12% | 0.11% | 0.06% | 0.07% | -5 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.06% | 0.15% | 0.09% | 0.07% | 0.06% | 0.03% | 0.00% | -8 bps | |
| Allowance / Loans | 1.03% | 1.03% | 1.05% | 1.04% | 1.04% | 1.01% | 0.98% | 0.99% | -5 bps | |
| Allowance Coverage of NPLs | 8.6x | 9.5x | 8.4x | 8.2x | 9.0x | 9.0x | 16.2x | 13.3x | +5.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.05% | 8.15% | 8.33% | 8.23% | 8.24% | 8.28% | 8.37% | 8.35% | +12 bps | |
| Total Risk-Based Capital | 12.13% | 12.33% | 12.38% | 12.00% | 12.03% | 11.94% | 12.07% | 11.93% | -7 bps | |
| Equity / Assets | 6.48% | 6.21% | 6.42% | 6.50% | 6.88% | 7.12% | 7.03% | 7.03% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.95% | 76.51% | 74.87% | 78.51% | 78.09% | 80.13% | 81.56% | 83.72% | +520 bps | |
| Liquid Assets / Assets | 1.12% | 0.50% | 1.77% | 0.49% | 1.18% | 0.40% | 0.38% | 0.37% | -12 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 363% | 365% | 367% | n/a | n/a | |