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Cincinnatus Savings and Loan Company, The

Cheviot, OH · Cert 28157 · Cincinnatus Cmty Bcorp MHC

SL · FDIC · 3 branches

Q2 2026

$193.1MAssets
$128.3MLoans
$163.0MDeposits
$28.7MEquity
Loan mix
94%RE $118.3M5%C&I $5.8M2%Consumer $2.1MQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $147.1M10%Noninterest $15.9MQ2 2025Q2 2026

NIM

4.99%Q2 ’245.22%Q2 ’255.09%Q2 ’26+19%-7%

Non-interest income vs. expense

2.52%Q2 ’242.25%Q2 ’252.26%Q2 ’26-12%+2%

Market Position · Cincinnati, OH-KY-IN · 2026 SOD (annual) · 0.1% share · #33 of 54 inst. · $0.2B of $187.5B

Executive Summary

  • Earnings: ROA of 0.92%, down 23 bps year over year; NIM at 3.20%.
  • Asset quality: problem loans at 0.26% of loans (+26 bps YoY), with net recoveries of 0.22%.
  • Capital: tier 1 leverage ratio of 15.26%, down 59 bps from a year ago.
  • Funding: loans stand at 78.70% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.92%-23 bps YoY

Net Interest Margin (quarter, annualized)

3.20%-22 bps YoY

Efficiency Ratio (quarter, annualized)

65.02%+485 bps YoY

Tier 1 Leverage Ratio

15.26%-59 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.15%1.10%0.96%0.93%0.92%-23 bps
Return on Equity7.62%7.21%6.30%6.20%6.25%-137 bps
Net Interest Margin3.43%3.23%3.24%3.26%3.20%-22 bps
Efficiency Ratio60.17%60.64%66.31%64.61%65.02%+485 bps
Non-Interest Burden1.94%1.82%2.01%2.03%1.98%+5 bps
Growth
Asset Growth (YoY)30.62%6.77%11.30%10.67%7.97%-2,265 bps
Loan Growth (YoY)11.28%9.11%11.26%5.65%-0.07%-1,135 bps
Deposit Growth (YoY)33.52%8.62%14.92%12.78%14.70%-1,882 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.08%0.15%0.08%0.26%+26 bps
Net Charge-Offs / Loans-0.01%-0.02%-0.01%-0.01%-0.22%-20 bps
Allowance / Loans0.91%0.94%0.90%0.98%1.03%+12 bps
Allowance Coverage of NPLs1172.0x12.6x6.1x12.9x3.9x-1168.1x
Capital
Tier 1 Leverage Ratio15.85%15.74%15.46%15.21%15.26%-59 bps
Total Risk-Based Capital15.85%15.74%15.46%15.21%15.26%-59 bps
Equity / Assets15.03%15.37%15.25%14.73%14.84%-18 bps
Liquidity & Funding
Loans / Deposits90.33%84.64%83.76%78.07%78.70%-1,163 bps
Liquid Assets / Assets6.81%7.15%5.12%9.30%8.83%+201 bps
CRE / Total Capitaln/a243%251%245%n/an/a