Bellaire, OH · Cert 28348
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Wheeling, WV-OH · 2026 SOD (annual) · 9.1% share · #3 of 13 inst. · $0.5B of $5.5B
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 | 0.34% | 0.32% | 0.26% | 0.34% | 0.40% | 0.22% | 0.30% | 0.36% | +2 bps | |
| Return on Equity | 2.89% | 2.73% | 2.24% | 3.04% | 3.49% | 1.98% | 2.73% | 3.35% | +31 bps | |
| Net Interest Margin | 2.00% | 1.97% | 2.08% | 2.11% | 2.11% | 2.11% | 2.09% | 2.04% | -7 bps | |
| Efficiency Ratio | 80.62% | 81.52% | 81.27% | 78.79% | 78.20% | 86.90% | 78.32% | 77.93% | -87 bps | |
| Non-Interest Burden | 1.56% | 1.56% | 1.65% | 1.61% | 1.60% | 1.80% | 1.59% | 1.55% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.51% | 6.13% | 7.38% | 8.17% | 6.47% | 13.14% | 12.38% | 13.05% | +488 bps | |
| Loan Growth (YoY) | 21.73% | 18.09% | 17.88% | 18.82% | 15.62% | 14.21% | 9.92% | 6.83% | -1,198 bps | |
| Deposit Growth (YoY) | 4.86% | 7.48% | 18.81% | 22.02% | 21.37% | 22.42% | 14.39% | 14.42% | -759 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.97% | 1.09% | 1.05% | 1.40% | 1.25% | 1.37% | 1.79% | 1.67% | +26 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | -0.01% | 0.04% | 0.06% | 0.04% | -0.01% | 0.02% | -2 bps | |
| Allowance / Loans | 0.78% | 0.80% | 0.79% | 0.78% | 0.78% | 0.82% | 0.88% | 0.86% | +8 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.7x | 0.8x | 0.6x | 0.6x | 0.6x | 0.5x | 0.5x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.21% | 15.98% | 16.00% | 15.66% | 15.31% | 14.95% | 14.35% | 13.63% | -203 bps | |
| Total Risk-Based Capital | 16.21% | 15.98% | 16.00% | 15.66% | 15.31% | 14.95% | 14.35% | 13.63% | -203 bps | |
| Equity / Assets | 12.32% | 11.41% | 11.50% | 11.01% | 11.62% | 11.07% | 10.77% | 10.71% | -30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.85% | 82.57% | 79.41% | 80.60% | 80.83% | 77.03% | 76.30% | 75.26% | -535 bps | |
| Liquid Assets / Assets | 0.58% | 0.67% | 0.93% | 1.72% | 2.25% | 6.37% | 7.68% | 9.72% | +800 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 108.69% | 104.96% | 102.84% | n/a | n/a | |