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Brookville Building and Savings Association

Brookville, OH · Cert 28663

State charter, non-member · FDIC · 2 branches

Q2 2026

$41.2MAssets
$29.6MLoans
$32.4MDeposits
$8.6MEquity
Loan mix
97%RE $28.8M3%C&I $0.9M1%Consumer $0.2MQ3 2024Q2 2026
Deposit mix
90%Interest-bearing $29.2M10%Noninterest $3.1MQ3 2024Q2 2026

Market Position · Dayton-Kettering-Beavercreek, OH · 2026 SOD (annual) · 0.2% share · #22 of 26 inst. · $0.0B of $16.3B

0.2% Montgomery
0.8% Preble

Executive Summary

  • Earnings: ROA of -0.25%, down 6 bps year over year; NIM at 3.17%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 20.01%, down 80 bps from a year ago.
  • Funding: loans stand at 91.45% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

-0.25%-6 bps YoY

Net Interest Margin (quarter, annualized)

3.17%+15 bps YoY

Efficiency Ratio (quarter, annualized)

99.46%-1,013 bps YoY

Tier 1 Leverage Ratio

20.01%-80 bps YoY

NIM

4.21%Q2 ’244.43%Q2 ’254.42%Q2 ’26+4%+5%

Non-interest income vs. expense

3.14%Q2 ’243.46%Q2 ’253.32%Q2 ’26+11%-5%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.53%-0.35%0.89%-0.20%-0.73%-0.45%0.08%-0.25%-6 bps
Return on Equity-2.65%-1.77%4.44%-0.97%-3.66%-2.26%0.42%-1.25%-28 bps
Net Interest Margin2.65%2.65%2.93%3.01%3.06%3.05%3.10%3.17%+15 bps
Efficiency Ratio112.46%111.04%110.21%109.59%129.75%109.69%98.89%99.46%-1,013 bps
Non-Interest Burden3.00%2.96%3.24%3.30%4.01%3.35%3.05%3.13%-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 / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.40%0.41%0.41%0.41%0.42%0.51%0.50%0.65%+24 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio21.02%20.91%21.46%20.80%20.51%20.40%20.15%20.01%-80 bps
Total Risk-Based Capital21.02%20.91%21.46%20.80%20.51%20.40%20.15%20.01%-80 bps
Equity / Assets20.14%19.87%20.18%19.91%19.78%19.69%19.55%20.94%+103 bps
Liquidity & Funding
Loans / Deposits86.40%87.10%87.40%86.07%82.16%83.54%83.86%91.45%+538 bps
Liquid Assets / Assets11.85%3.07%3.02%2.99%2.95%2.92%2.33%2.23%-75 bps
CRE / Total Capitaln/an/an/an/a24.59%29.82%36.91%n/an/a