Galion, OH · Cert 27643
State savings bank · OCC · 8 branches
Q2 2026
Market Position · Mansfield, OH · 2026 SOD (annual) · 3.1% share · #7 of 11 inst. · $0.1B of $2.5B
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 | 0.12% | 0.13% | 0.02% | -0.26% | -0.03% | 0.06% | 0.30% | 0.35% | +61 bps | |
| Return on Equity | 0.80% | 0.92% | 0.11% | -1.85% | -0.22% | 0.39% | 2.12% | 2.45% | +431 bps | |
| Net Interest Margin | 2.39% | 2.33% | 2.44% | 2.54% | 2.61% | 2.63% | 2.73% | 2.80% | +27 bps | |
| Efficiency Ratio | 91.68% | 91.54% | 92.88% | 85.60% | 87.14% | 87.09% | 90.48% | 89.15% | +355 bps | |
| Non-Interest Burden | 2.14% | 2.08% | 2.23% | 2.11% | 2.21% | 2.23% | 2.44% | 2.46% | +35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.16% | 1.43% | 4.63% | 3.79% | 3.03% | -1.88% | -1.27% | 0.09% | -371 bps | |
| Loan Growth (YoY) | 1.97% | 2.40% | 5.18% | 2.85% | 5.26% | 2.53% | 2.29% | 1.74% | -111 bps | |
| Deposit Growth (YoY) | -2.77% | 1.62% | 5.62% | 4.80% | 3.77% | -2.20% | -3.01% | -3.17% | -797 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.17% | 0.00% | 3.05% | 1.02% | 1.02% | 1.03% | 0.93% | 0.93% | -9 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.94% | 2.67% | 1.69% | 1.25% | 0.00% | 0.00% | -267 bps | |
| Allowance / Loans | 1.00% | 1.01% | 0.88% | 0.49% | 0.46% | 0.47% | 0.47% | 0.48% | -1 bps | |
| Allowance Coverage of NPLs | 5.9x | n/a | 0.3x | 0.5x | 0.5x | 0.5x | 0.5x | 0.5x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.02% | 13.56% | 13.31% | 13.20% | 13.58% | 13.59% | 13.66% | 13.68% | +48 bps | |
| Total Risk-Based Capital | 30.02% | 33.05% | 32.93% | 32.48% | 32.70% | 32.94% | 33.12% | 33.24% | +76 bps | |
| Equity / Assets | 14.74% | 14.15% | 14.02% | 14.08% | 14.32% | 14.47% | 14.32% | 14.42% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 49.87% | 49.19% | 48.79% | 49.77% | 50.59% | 51.58% | 51.46% | 52.29% | +252 bps | |
| Liquid Assets / Assets | 50.94% | 51.42% | 51.81% | 50.68% | 49.92% | 49.67% | 50.31% | 50.17% | -51 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 47.78% | 46.33% | 45.71% | n/a | n/a | |