Albion, MI · Cert 28667
State savings bank · OCC · 3 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 operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
62
Asset Quality
60
Profitability
47
Liquidity
100
Efficiency
19
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.
Albion, MI · Cert 28667
State savings bank · OCC · 3 branches
Q2 2026
Market Position · Battle Creek, MI · 2026 SOD (annual) · 3.7% share · #7 of 10 inst. · $0.0B of $1.3B
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 | 0.37% | 0.45% | 0.38% | 0.55% | 0.55% | 0.64% | 0.75% | 0.75% | +19 bps | |
| Return on Equity | 5.05% | 6.03% | 4.79% | 6.81% | 6.63% | 7.59% | 8.45% | 8.37% | +155 bps | |
| Net Interest Margin | 3.65% | 3.80% | 3.76% | 3.96% | 4.07% | 4.15% | 4.31% | 4.25% | +28 bps | |
| Efficiency Ratio | 90.68% | 88.52% | 88.27% | 84.52% | 84.68% | 83.02% | 78.70% | 78.83% | -568 bps | |
| Non-Interest Burden | 3.23% | 3.25% | 3.23% | 3.24% | 3.33% | 3.30% | 3.21% | 3.16% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.23% | -3.64% | -4.14% | -1.53% | -0.18% | 1.18% | 0.44% | 0.16% | +169 bps | |
| Loan Growth (YoY) | 1.26% | 0.89% | 0.30% | 0.89% | -2.69% | -1.36% | -2.44% | -5.39% | -628 bps | |
| Deposit Growth (YoY) | -4.30% | -4.48% | -5.11% | -2.50% | -1.08% | 0.19% | -0.45% | -0.91% | +160 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.96% | 0.80% | 0.40% | 0.55% | 0.59% | 0.32% | 0.09% | 0.24% | -31 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.07% | 0.08% | 0.06% | 0.04% | -0.01% | 0.00% | -9 bps | |
| Allowance / Loans | 1.02% | 1.04% | 1.06% | 1.03% | 1.07% | 1.07% | 1.16% | 1.24% | +21 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.3x | 2.7x | 1.9x | 1.8x | 3.3x | 12.7x | 5.2x | +3.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.97% | 8.40% | 8.22% | 8.39% | 8.82% | 9.16% | 9.09% | 9.42% | +103 bps | |
| Total Risk-Based Capital | 16.94% | 17.22% | 17.44% | 17.67% | 18.23% | 18.47% | 18.84% | 19.48% | +180 bps | |
| Equity / Assets | 7.87% | 8.04% | 7.99% | 8.40% | 8.60% | 8.83% | 8.80% | 9.20% | +80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.44% | 81.09% | 78.63% | 81.78% | 80.10% | 79.84% | 77.06% | 78.08% | -370 bps | |
| Liquid Assets / Assets | 11.79% | 11.37% | 14.90% | 12.73% | 13.44% | 13.01% | 17.27% | 16.75% | +402 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 291% | 282% | 272% | n/a | n/a | |
Albion, MI · Cert 28667 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State savings bank · OCC · 3 branches
Q2 2026
Return on Assets
0.75%
Rank 544 of 746
Net Interest Margin
4.25%
Rank 162 of 746
Efficiency Ratio
78.83%
Rank 603 of 746
Equity / Assets
9.20%
Rank 531 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.75% | 0.72% | 1.06% | 1.45% | Beats 27% | 544 / 746 | ||
| Return on Equity | 8.20% | 6.74% | 10.51% | 13.63% | Beats 35% | 488 / 746 | ||
| Net Interest Margin | 4.25% | 3.17% | 3.68% | 4.16% | Beats 78% | 162 / 746 | ||
| Efficiency Ratio | 78.83% | 55.74% | 64.58% | 75.47% | Beats 19% | 603 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.24% | 0.09% | 0.42% | 1.07% | Beats 64% | 272 / 743 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 56% | 327 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.22% | 11.55% | 13.75% | 17.60% | Beats 78% | 164 / 746 | ||
| Total Risk-Based Capital Ratio | 19.48% | 11.71% | 14.33% | 18.43% | Beats 80% | 152 / 746 | ||
| Equity / Assets | 9.20% | 8.90% | 10.51% | 13.06% | Beats 29% | 531 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.08% | 61.31% | 78.27% | 90.78% | 50th pctl | 374 / 746 | ||
| Loans / Assets | 70.44% | 53.60% | 66.97% | 76.08% | 58th pctl | 311 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||