Covington, KY · Cert 27841
State savings bank · OCC · 1 branch
Q2 2026
Market Position · Cincinnati, OH-KY-IN · 2026 SOD (annual) · 0.0% share · #45 of 54 inst. · $0.0B of $187.5B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.01% | 0.06% | 0.10% | 0.21% | 0.24% | +25 bps | |
| Return on Equity | -0.04% | 0.24% | 0.38% | 0.74% | 0.88% | +92 bps | |
| Net Interest Margin | 2.05% | 2.07% | 2.20% | 2.33% | 2.41% | +36 bps | |
| Efficiency Ratio | 99.55% | 96.24% | 92.85% | 99.18% | 94.28% | -527 bps | |
| Non-Interest Burden | 2.04% | 1.99% | 2.04% | 2.31% | 2.27% | +23 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.09% | -1.45% | -0.26% | -3.32% | 0.22% | -87 bps | |
| Loan Growth (YoY) | -2.20% | 1.23% | 1.54% | -1.62% | -2.48% | -29 bps | |
| Deposit Growth (YoY) | 3.41% | -0.45% | 0.81% | -3.74% | 1.64% | -177 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.10% | 0.00% | 0.09% | 0.08% | 0.00% | -10 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.87% | 0.85% | 0.85% | 0.88% | 0.89% | +2 bps | |
| Allowance Coverage of NPLs | 8.5x | n/a | 9.7x | 10.5x | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 27.41% | 27.58% | 27.81% | 28.07% | 28.05% | +64 bps | |
| Total Risk-Based Capital | 58.40% | 57.47% | 58.72% | 59.94% | 60.22% | +182 bps | |
| Equity / Assets | 26.83% | 26.88% | 27.67% | 27.85% | 27.03% | +20 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 113.46% | 115.93% | 119.43% | 115.95% | 108.86% | -460 bps | |
| Liquid Assets / Assets | 9.27% | 7.52% | 5.96% | 5.45% | 9.43% | +16 bps | |
| CRE / Total Capital | n/a | 17.41% | 13.65% | 15.93% | n/a | n/a | |