Harrison, OH · Cert 28080
SL · FDIC · 3 branches
Q2 2026
Market Position · Cincinnati, OH-KY-IN · 2026 SOD (annual) · 0.1% share · #31 of 54 inst. · $0.2B 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.09% | 0.90% | 0.70% | 0.78% | 0.83% | 0.87% | 0.75% | 1.06% | +28 bps | |
| Return on Equity | 7.96% | 6.59% | 5.12% | 5.76% | 6.04% | 6.20% | 5.01% | 6.93% | +117 bps | |
| Net Interest Margin | 2.55% | 2.56% | 2.58% | 2.63% | 2.67% | 2.76% | 3.06% | 3.24% | +61 bps | |
| Efficiency Ratio | 62.21% | 64.00% | 67.71% | 65.57% | 63.80% | 62.75% | 60.43% | 55.96% | -961 bps | |
| Non-Interest Burden | 1.40% | 1.50% | 1.72% | 1.67% | 1.64% | 1.66% | 1.77% | 1.73% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.55% | -0.05% | 2.30% | 4.74% | 2.75% | 5.86% | 1.85% | -1.76% | -650 bps | |
| Loan Growth (YoY) | 5.69% | 4.32% | 11.55% | 16.77% | 13.04% | 20.60% | 15.21% | 20.04% | +327 bps | |
| Deposit Growth (YoY) | 1.65% | -0.38% | 2.34% | 6.83% | 3.98% | 2.46% | -2.17% | -6.60% | -1,343 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.58% | 0.58% | 0.52% | 0.49% | 0.48% | 0.47% | 0.51% | 0.39% | -9 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.26% | 0.13% | 0.08% | 0.06% | 0.00% | 0.00% | -13 bps | |
| Allowance / Loans | 0.80% | 0.88% | 0.80% | 0.82% | 0.84% | 0.82% | 0.91% | 0.93% | +11 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.5x | 1.5x | 1.7x | 1.7x | 1.8x | 1.8x | 2.4x | +0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.66% | 16.76% | 16.68% | 16.58% | 16.62% | 17.07% | 17.20% | 17.62% | +104 bps | |
| Total Risk-Based Capital | 16.66% | 16.76% | 16.68% | 16.58% | 16.62% | 17.07% | 17.20% | 17.62% | +104 bps | |
| Equity / Assets | 14.16% | 13.82% | 13.51% | 13.34% | 14.25% | 14.94% | 15.02% | 16.13% | +279 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.27% | 62.14% | 63.24% | 63.00% | 65.53% | 73.14% | 74.48% | 80.97% | +1,797 bps | |
| Liquid Assets / Assets | 3.56% | 0.54% | 1.91% | 2.92% | 3.35% | 3.30% | 6.77% | 2.32% | -60 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 110.17% | 130.97% | 122.64% | n/a | n/a | |