PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Canton School Employees

North Canton, OH · Charter 2535

NCUA · 5 branches

Q2 2026

$462.2MAssets
$273.9MLoans
$406.1MShares
$47.4MNet Worth

Executive Summary

  • Earnings: ROA of 0.67%, up 5 bps year over year; NIM at 4.42%.
  • Asset quality: problem loans at 0.69% of loans (+18 bps YoY).
  • Capital: net worth / assets of 10.26%, up 4 bps from a year ago.
  • Funding: loans stand at 67.46% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.67%+5 bps YoY

Net Interest Margin (YTD, annualized)

4.42%+24 bps YoY

Efficiency Ratio (YTD, annualized)

81.03%-150 bps YoY

Net Worth / Assets

10.26%+4 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.73%0.66%0.74%0.63%0.60%0.76%0.83%0.67%+5 bps
Return on Equity6.58%6.22%7.15%6.11%5.84%7.26%7.93%6.54%+42 bps
Net Interest Margin4.47%4.27%4.12%4.18%4.25%4.22%4.52%4.42%+24 bps
Efficiency Ratio82.20%82.79%81.80%82.53%83.27%81.35%79.13%81.03%-150 bps
Growth
Asset Growth (YoY)3.91%8.34%9.01%11.05%11.17%8.65%5.66%5.99%-506 bps
Loan Growth (YoY)6.08%4.89%3.31%2.89%1.47%0.39%1.10%5.27%+239 bps
Share Growth (YoY)3.10%7.77%8.38%10.73%10.26%8.23%5.10%5.72%-500 bps
Asset Quality
Delinquent Loans / Loans0.60%0.74%0.60%0.51%0.62%0.70%0.69%0.69%+18 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.02%10.67%10.37%10.23%10.33%10.41%10.42%10.26%+4 bps
Net Worth / Assets11.02%10.67%10.37%10.23%10.33%10.41%10.42%10.26%+4 bps
Liquidity & Funding
Loans / Shares73.81%71.39%67.20%67.74%67.93%66.22%64.64%67.46%-29 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps