Huntington, WV · Cert 27884
State savings bank · OCC · 5 branches
Q2 2026
Market Position · Huntington-Ashland, WV-KY-OH · 2026 SOD (annual) · 5.3% share · #7 of 26 inst. · $0.4B of $8.0B
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 | -0.72% | -0.69% | -0.62% | -0.60% | -0.61% | -0.57% | -0.46% | -0.38% | +22 bps | |
| Return on Equity | -4.53% | -4.38% | -3.96% | -3.82% | -3.96% | -3.67% | -2.96% | -2.47% | +136 bps | |
| Net Interest Margin | 0.85% | 0.87% | 0.98% | 1.04% | 1.08% | 1.11% | 1.43% | 1.45% | +41 bps | |
| Efficiency Ratio | 206% | 205% | 185.81% | 174.60% | 173.52% | 167.87% | 142.95% | 134.83% | -3,977 bps | |
| Non-Interest Burden | 1.82% | 1.83% | 1.84% | 1.84% | 1.90% | 1.89% | 2.03% | 1.97% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.87% | -5.35% | -1.18% | -0.62% | 0.89% | 1.70% | -2.89% | -4.37% | -375 bps | |
| Loan Growth (YoY) | 0.87% | -0.26% | 1.10% | 3.36% | 2.71% | 2.30% | 4.38% | 1.93% | -143 bps | |
| Deposit Growth (YoY) | -5.24% | -7.44% | -0.52% | 0.42% | 4.03% | 4.52% | -1.25% | -1.91% | -234 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.48% | 0.39% | 0.38% | 0.50% | 0.43% | 0.33% | 0.21% | 0.29% | -20 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.03% | -0.14% | -0.07% | -0.04% | -0.03% | 0.00% | 0.02% | +9 bps | |
| Allowance / Loans | 0.82% | 0.82% | 0.85% | 0.84% | 0.83% | 0.83% | 0.82% | 0.81% | -3 bps | |
| Allowance Coverage of NPLs | 1.7x | 2.1x | 2.2x | 1.7x | 2.0x | 2.5x | 3.9x | 2.8x | +1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.93% | 15.73% | 15.43% | 15.16% | 14.93% | 14.80% | 14.96% | 15.07% | -8 bps | |
| Total Risk-Based Capital | 15.93% | 15.73% | 15.43% | 15.16% | 14.93% | 14.80% | 14.96% | 15.07% | -8 bps | |
| Equity / Assets | 15.82% | 16.01% | 15.55% | 15.35% | 15.19% | 15.24% | 15.53% | 15.64% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.44% | 67.93% | 65.35% | 66.35% | 66.58% | 66.49% | 69.08% | 68.95% | +260 bps | |
| Liquid Assets / Assets | 45.70% | 44.27% | 44.36% | 44.59% | 44.52% | 43.97% | 41.21% | 41.21% | -338 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 53.93% | 53.65% | 57.61% | n/a | n/a | |