Spencer, OH · Cert 2290
FDIC · 2 branches
Q3 2025
Market Position · Cleveland, OH · 2025 SOD (annual) · 0.2% share · #21 of 37 inst. · $0.2B of $128.3B
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.21% | 0.88% | 1.10% | 1.01% | 1.05% | 1.29% | 1.31% | 1.21% | +20 bps | |
| Return on Equity | 7.19% | 4.69% | 5.98% | 5.39% | 5.59% | 7.08% | 7.16% | 6.56% | +117 bps | |
| Net Interest Margin | 3.04% | 2.53% | 2.68% | 2.70% | 2.80% | 3.09% | 3.07% | 3.04% | +34 bps | |
| Efficiency Ratio | 49.94% | 58.08% | 53.98% | 52.32% | 52.50% | 49.50% | 48.40% | 52.08% | -24 bps | |
| Non-Interest Burden | 1.44% | 1.41% | 1.38% | 1.34% | 1.40% | 1.46% | 1.41% | 1.51% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.66% | -1.20% | -1.24% | 4.45% | -3.21% | -1.53% | -0.87% | 1.02% | -342 bps | |
| Loan Growth (YoY) | 3.18% | 2.07% | 2.18% | 1.29% | 5.43% | 5.56% | 4.89% | 6.09% | +481 bps | |
| Deposit Growth (YoY) | -5.18% | -3.24% | -1.33% | -3.12% | -2.17% | -1.18% | -1.58% | 1.92% | +503 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.30% | 1.64% | 1.78% | 1.65% | 1.51% | 1.39% | 1.33% | 1.30% | -35 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.10% | -0.06% | -0.04% | -0.12% | -0.60% | -0.30% | -0.20% | -16 bps | |
| Allowance / Loans | 2.97% | 2.97% | 2.94% | 2.94% | 2.94% | 3.06% | 3.04% | 3.01% | +7 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.8x | 1.7x | 1.8x | 1.9x | 2.2x | 2.3x | 2.3x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 28.29% | 27.34% | 27.81% | 27.76% | 27.70% | 28.16% | 28.32% | 27.86% | +10 bps | |
| Total Risk-Based Capital | 28.29% | 27.34% | 27.81% | 27.76% | 27.70% | 28.16% | 28.32% | 54.57% | +2,681 bps | |
| Equity / Assets | 19.36% | 18.19% | 17.76% | 19.99% | 18.49% | 17.89% | 18.36% | 19.34% | -65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 43.24% | 42.98% | 43.80% | 44.38% | 46.60% | 45.91% | 46.67% | 46.20% | +182 bps | |
| Liquid Assets / Assets | 0.11% | 0.11% | 0.12% | 0.12% | 0.12% | 0.13% | 0.13% | 0.13% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 16.19% | n/a | n/a |