Cincinnati, OH · Cert 28217 · First Mutual Holding Co.
State savings bank · OCC · 4 affiliate banks · 1 branch (26 in holding)
Q2 2026
Market Position · Cincinnati, OH-KY-IN · 2026 SOD (annual) · 0.0% share · #39 of 54 inst. · $0.1B 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 | -0.15% | -0.18% | 0.03% | -0.02% | 0.02% | 0.11% | -0.18% | -0.08% | -6 bps | |
| Return on Equity | -2.65% | -2.98% | 0.37% | -0.26% | 0.19% | 1.22% | -1.58% | -0.74% | -48 bps | |
| Net Interest Margin | 1.70% | 1.82% | 1.94% | 2.00% | 1.96% | 1.86% | 1.80% | 1.85% | -15 bps | |
| Efficiency Ratio | 110.87% | 113.58% | 103.72% | 103.24% | 101.55% | 96.29% | 106.90% | 100.08% | -316 bps | |
| Non-Interest Burden | 1.96% | 2.16% | 2.04% | 2.08% | 2.00% | 1.77% | 1.95% | 1.85% | -23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.47% | -2.86% | -10.16% | -10.93% | -4.64% | 6.73% | 6.54% | 16.25% | +2,718 bps | |
| Loan Growth (YoY) | 6.15% | -3.59% | -6.69% | 0.69% | -5.24% | -5.71% | 2.02% | 15.80% | +1,511 bps | |
| Deposit Growth (YoY) | 20.89% | 20.31% | 1.25% | -0.24% | -2.66% | 2.87% | 8.61% | 12.57% | +1,280 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.45% | 0.50% | 0.45% | 0.42% | 0.68% | 1.80% | 1.62% | 1.30% | +87 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.01% | +1 bps | |
| Allowance / Loans | 0.70% | 0.68% | 0.64% | 0.64% | 0.64% | 0.67% | 0.64% | 0.58% | -6 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.4x | 1.4x | 1.5x | 0.9x | 0.4x | 0.4x | 0.4x | -1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.30% | 8.88% | 9.61% | 9.58% | 12.83% | 12.07% | 12.53% | 12.10% | +252 bps | |
| Total Risk-Based Capital | 12.28% | 14.92% | 15.89% | 16.96% | 21.42% | 23.41% | 22.19% | 19.50% | +254 bps | |
| Equity / Assets | 6.13% | 7.61% | 8.28% | 8.35% | 11.04% | 11.34% | 11.29% | 10.45% | +210 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 112.77% | 116.31% | 119.11% | 121.26% | 109.79% | 106.60% | 111.89% | 124.74% | +348 bps | |
| Liquid Assets / Assets | 10.73% | 3.03% | 2.08% | 1.42% | 11.11% | 13.36% | 6.28% | 3.00% | +158 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 78.38% | 64.19% | 65.48% | n/a | n/a | |