Cheviot, OH · Cert 28157 · Cincinnatus Cmty Bcorp MHC
SL · FDIC · 3 branches
Q2 2026
Market Position · Cincinnati, OH-KY-IN · 2026 SOD (annual) · 0.1% share · #33 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 | 0.64% | 0.68% | 0.91% | 1.03% | 1.06% | 1.03% | 0.93% | 0.93% | -11 bps | |
| Return on Equity | 3.62% | 3.95% | 5.95% | 6.79% | 6.94% | 6.77% | 6.20% | 6.22% | -57 bps | |
| Net Interest Margin | 2.73% | 2.69% | 3.16% | 3.25% | 3.19% | 3.12% | 3.26% | 3.21% | -4 bps | |
| Efficiency Ratio | 75.53% | 74.39% | 67.04% | 63.37% | 62.43% | 63.46% | 64.61% | 64.82% | +144 bps | |
| Non-Interest Burden | 1.99% | 1.93% | 2.05% | 1.97% | 1.89% | 1.87% | 2.03% | 1.99% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.50% | 21.59% | 23.89% | 30.62% | 6.77% | 11.30% | 10.67% | 7.97% | -2,265 bps | |
| Loan Growth (YoY) | 0.58% | 0.86% | 2.29% | 11.28% | 9.11% | 11.26% | 5.65% | -0.07% | -1,135 bps | |
| Deposit Growth (YoY) | 30.73% | 29.44% | 31.39% | 33.52% | 8.62% | 14.92% | 12.78% | 14.70% | -1,882 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.10% | 0.00% | 0.00% | 0.08% | 0.15% | 0.08% | 0.26% | +26 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.02% | -0.02% | -0.01% | -0.01% | -0.01% | -0.01% | -0.11% | -10 bps | |
| Allowance / Loans | 1.04% | 1.03% | 1.01% | 0.91% | 0.94% | 0.90% | 0.98% | 1.03% | +12 bps | |
| Allowance Coverage of NPLs | 596.5x | 10.6x | 1209.0x | 1172.0x | 12.6x | 6.1x | 12.9x | 3.9x | -1168.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 17.03% | 15.99% | 15.97% | 15.85% | 15.74% | 15.46% | 15.21% | 15.26% | -59 bps | |
| Total Risk-Based Capital | 17.03% | 15.99% | 15.97% | 15.85% | 15.74% | 15.46% | 15.21% | 15.26% | -59 bps | |
| Equity / Assets | 15.54% | 15.51% | 15.19% | 15.03% | 15.37% | 15.25% | 14.73% | 14.84% | -18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.25% | 86.52% | 83.34% | 90.33% | 84.64% | 83.76% | 78.07% | 78.70% | -1,163 bps | |
| Liquid Assets / Assets | 9.68% | 7.12% | 8.76% | 6.81% | 7.15% | 5.12% | 9.30% | 8.83% | +201 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 243% | 251% | 245% | n/a | n/a | |