Greenville, OH · Cert 27965 · Greenville Federal MHC
State savings bank · OCC · 4 branches
Q2 2026
Market Position · Dayton-Kettering-Beavercreek, OH · 2026 SOD (annual) · 0.3% share · #21 of 26 inst. · $0.1B of $16.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.29% | -1.27% | -0.13% | 0.02% | 0.10% | 0.20% | 0.16% | 0.21% | +19 bps | |
| Return on Equity | -3.55% | -16.38% | -1.64% | 0.24% | 1.38% | 2.62% | 2.09% | 2.71% | +247 bps | |
| Net Interest Margin | 2.61% | 2.56% | 2.79% | 2.90% | 2.95% | 2.97% | 3.03% | 3.01% | +11 bps | |
| Efficiency Ratio | 107.91% | 117.65% | 103.89% | 97.31% | 94.75% | 93.11% | 94.51% | 93.93% | -337 bps | |
| Non-Interest Burden | 2.87% | 3.12% | 2.92% | 2.80% | 2.77% | 2.72% | 2.83% | 2.79% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.06% | 7.71% | 3.50% | 6.76% | 5.68% | 4.58% | 2.87% | 0.91% | -585 bps | |
| Loan Growth (YoY) | 8.53% | 12.01% | 9.49% | 11.16% | 8.69% | 6.35% | 3.45% | -2.04% | -1,320 bps | |
| Deposit Growth (YoY) | 1.92% | 7.04% | 3.38% | 4.85% | 3.22% | 4.79% | 3.11% | 3.18% | -167 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.51% | 0.46% | 0.48% | 0.46% | 0.06% | 0.08% | 0.08% | 0.09% | -36 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.13% | 0.02% | 0.02% | 0.09% | 0.03% | 0.01% | 0.01% | -1 bps | |
| Allowance / Loans | 0.76% | 0.80% | 0.80% | 0.79% | 0.78% | 0.77% | 0.79% | 0.81% | +1 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.7x | 1.7x | 1.7x | 14.0x | 9.7x | 10.2x | 8.5x | +6.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.11% | 7.80% | 7.90% | 7.80% | 7.71% | 7.68% | 7.74% | 7.80% | 0 bps | |
| Total Risk-Based Capital | 12.17% | 11.61% | 11.58% | 11.42% | 11.43% | 11.46% | 11.53% | 12.08% | +66 bps | |
| Equity / Assets | 7.97% | 7.60% | 7.81% | 7.64% | 7.58% | 7.53% | 7.75% | 7.84% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.81% | 90.37% | 90.14% | 92.15% | 93.51% | 91.71% | 90.43% | 87.49% | -466 bps | |
| Liquid Assets / Assets | 11.50% | 11.11% | 10.49% | 10.55% | 9.82% | 9.62% | 10.05% | 12.39% | +184 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 244% | 246% | 238% | n/a | n/a | |