Brookville, OH · Cert 28663
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
81
Asset Quality
100
Profitability
15
Liquidity
52
Efficiency
7
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Brookville, OH · Cert 28663
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Dayton-Kettering-Beavercreek, OH · 2026 SOD (annual) · 0.2% share · #22 of 26 inst. · $0.0B of $16.3B
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 | -1.39% | -1.13% | 0.89% | 0.34% | -0.02% | -0.12% | 0.08% | -0.08% | -43 bps | |
| Return on Equity | -6.69% | -5.49% | 4.44% | 1.72% | -0.08% | -0.63% | 0.42% | -0.42% | -214 bps | |
| Net Interest Margin | 2.65% | 2.65% | 2.93% | 2.95% | 2.98% | 3.00% | 3.10% | 3.13% | +17 bps | |
| Efficiency Ratio | 109.93% | 110.21% | 110.21% | 109.90% | 116.70% | 114.92% | 98.89% | 99.18% | -1,072 bps | |
| Non-Interest Burden | 2.93% | 2.93% | 3.24% | 3.25% | 3.49% | 3.46% | 3.05% | 3.08% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.29% | 1.46% | 5.36% | 0.61% | 1.78% | 2.71% | 3.66% | -4.94% | -555 bps | |
| Loan Growth (YoY) | 9.92% | 6.46% | 8.00% | 2.93% | -1.40% | -0.02% | 0.86% | -0.41% | -335 bps | |
| Deposit Growth (YoY) | -2.39% | 3.15% | 7.22% | 0.64% | 3.70% | 4.24% | 5.12% | -6.27% | -692 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 2.60% | 1.93% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.40% | 0.41% | 0.41% | 0.41% | 0.42% | 0.51% | 0.50% | 0.65% | +24 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 21.02% | 20.91% | 21.46% | 20.80% | 20.51% | 20.40% | 20.15% | 20.01% | -80 bps | |
| Total Risk-Based Capital | 21.02% | 20.91% | 21.46% | 20.80% | 20.51% | 20.40% | 20.15% | 20.01% | -80 bps | |
| Equity / Assets | 20.14% | 19.87% | 20.18% | 19.91% | 19.78% | 19.69% | 19.55% | 20.94% | +103 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.40% | 87.10% | 87.40% | 86.07% | 82.16% | 83.54% | 83.86% | 91.45% | +538 bps | |
| Liquid Assets / Assets | 11.85% | 3.07% | 3.02% | 2.99% | 2.95% | 2.92% | 2.33% | 2.23% | -75 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 24.59% | 29.82% | 36.91% | n/a | n/a | |
Brookville, OH · Cert 28663 · Peer group: banks under $1B in assets (n=581-629)
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
-0.09%
Rank 581 of 629
Net Interest Margin
3.13%
Rank 445 of 629
Efficiency Ratio
99.18%
Rank 583 of 629
Equity / Assets
20.94%
Rank 74 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.09% | 0.60% | 1.01% | 1.45% | Beats 8% | 581 / 629 | ||
| Return on Equity | -0.42% | 5.38% | 9.30% | 13.28% | Beats 8% | 580 / 629 | ||
| Net Interest Margin | 3.13% | 3.03% | 3.54% | 4.05% | Beats 29% | 445 / 629 | ||
| Efficiency Ratio | 99.18% | 58.35% | 67.79% | 79.08% | Beats 7% | 583 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.01% | 11.24% | 13.84% | 18.77% | Beats 78% | 139 / 629 | ||
| Total Risk-Based Capital Ratio | 20.01% | 11.58% | 14.43% | 19.66% | Beats 76% | 152 / 629 | ||
| Equity / Assets | 20.94% | 9.09% | 10.65% | 13.80% | Beats 88% | 74 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.45% | 67.24% | 80.90% | 93.48% | 72nd pctl | 165 / 594 | ||
| Loans / Assets | 71.90% | 53.31% | 67.71% | 78.15% | 58th pctl | 266 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||