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 | |