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 (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 | -0.39% | -0.61% | -0.13% | -0.05% | 0.00% | 0.05% | 0.16% | 0.18% | +24 bps | |
| Return on Equity | -4.68% | -7.55% | -1.64% | -0.70% | 0.00% | 0.66% | 2.09% | 2.40% | +309 bps | |
| Net Interest Margin | 2.52% | 2.49% | 2.79% | 2.83% | 2.84% | 2.84% | 3.03% | 3.01% | +18 bps | |
| Efficiency Ratio | 111.57% | 113.14% | 103.89% | 100.50% | 98.53% | 97.12% | 94.51% | 94.22% | -628 bps | |
| Non-Interest Burden | 2.88% | 2.90% | 2.92% | 2.84% | 2.79% | 2.75% | 2.83% | 2.80% | -4 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 | 0.02% | 0.05% | 0.02% | 0.02% | 0.04% | 0.04% | 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 | |