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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.34% | -0.02% | -0.12% | 0.08% | -0.08% | -43 bps | |
| Return on Equity | 1.72% | -0.08% | -0.63% | 0.42% | -0.42% | -214 bps | |
| Net Interest Margin | 2.95% | 2.98% | 3.00% | 3.10% | 3.13% | +17 bps | |
| Efficiency Ratio | 109.90% | 116.70% | 114.92% | 98.89% | 99.18% | -1,072 bps | |
| Non-Interest Burden | 3.25% | 3.49% | 3.46% | 3.05% | 3.08% | -17 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.61% | 1.78% | 2.71% | 3.66% | -4.94% | -555 bps | |
| Loan Growth (YoY) | 2.93% | -1.40% | -0.02% | 0.86% | -0.41% | -335 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | 20.80% | 20.51% | 20.40% | 20.15% | 20.01% | -80 bps | |
| Total Risk-Based Capital | 20.80% | 20.51% | 20.40% | 20.15% | 20.01% | -80 bps | |
| Equity / Assets | 19.91% | 19.78% | 19.69% | 19.55% | 20.94% | +103 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.07% | 82.16% | 83.54% | 83.86% | 91.45% | +538 bps | |
| Liquid Assets / Assets | 2.99% | 2.95% | 2.92% | 2.33% | 2.23% | -75 bps | |
| CRE / Total Capital | n/a | 24.59% | 29.82% | 36.91% | n/a | n/a | |