West Chester, OH · Cert 27998 · Beck Family Trust
SI · FDIC · 13 branches
Q2 2026
Market Position · Cincinnati, OH-KY-IN · 2026 SOD (annual) · 0.5% share · #12 of 54 inst. · $1.0B 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 | 1.12% | 1.34% | 1.32% | 1.62% | 1.57% | +45 bps | |
| Return on Equity | 9.68% | 11.67% | 11.50% | 14.02% | 13.68% | +400 bps | |
| Net Interest Margin | 2.41% | 2.52% | 2.57% | 2.83% | 2.84% | +43 bps | |
| Efficiency Ratio | 55.11% | 50.54% | 52.48% | 46.31% | 47.18% | -793 bps | |
| Non-Interest Burden | 1.01% | 0.83% | 0.91% | 0.77% | 0.85% | -16 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.23% | 5.10% | 2.93% | 2.99% | 3.47% | -576 bps | |
| Loan Growth (YoY) | 3.04% | 5.51% | 5.16% | 1.81% | 1.48% | -156 bps | |
| Deposit Growth (YoY) | 9.98% | 5.80% | 3.18% | 2.62% | 3.62% | -636 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.44% | 0.34% | 0.26% | 0.16% | 0.20% | -24 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.01% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 1.06% | 1.00% | 1.01% | 1.05% | 1.05% | -1 bps | |
| Allowance Coverage of NPLs | 2.4x | 3.0x | 3.9x | 6.6x | 5.4x | +2.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.46% | 11.36% | 11.48% | 11.68% | 11.39% | -7 bps | |
| Total Risk-Based Capital | 11.46% | 11.36% | 11.48% | 11.68% | 11.39% | -7 bps | |
| Equity / Assets | 11.52% | 11.40% | 11.48% | 11.61% | 11.33% | -19 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.86% | 96.30% | 94.66% | 89.96% | 88.99% | -187 bps | |
| Liquid Assets / Assets | 16.65% | 11.87% | 12.15% | 17.52% | 18.10% | +145 bps | |
| CRE / Total Capital | n/a | 62.32% | 61.37% | 55.29% | n/a | n/a | |