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Conneaut Savings Bank, The

Conneaut, OH · Cert 28677 · Conneaut Bcorp MHC

SL · FDIC · 1 branch

Q2 2026

$76.7MAssets
$54.1MLoans
$65.3MDeposits
$10.2MEquity
Loan mix
97%RE $53.4M3%C&I $1.6M0%Consumer $0.2MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $56.0M14%Noninterest $9.3MQ2 2025Q2 2026

NIM

3.76%Q2 ’243.94%Q2 ’254.43%Q2 ’26+10%+20%

Non-interest income vs. expense

2.99%Q2 ’243.24%Q2 ’253.11%Q2 ’26+11%-5%

Market Position · Cleveland, OH · 2026 SOD (annual) · 0.0% share · #29 of 35 inst. · $0.1B of $136.4B

Executive Summary

  • Earnings: ROA of 0.58%, up 59 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 0.40% of loans (-48 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 15.09%, up 22 bps from a year ago.
  • Funding: loans stand at 82.79% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.58%+59 bps YoY

Net Interest Margin (YTD, annualized)

3.50%+59 bps YoY

Efficiency Ratio (YTD, annualized)

81.74%-1,948 bps YoY

Tier 1 Leverage Ratio

15.09%+22 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.01%0.06%0.12%0.68%0.58%+59 bps
Return on Equity-0.06%0.46%0.96%5.16%4.37%+443 bps
Net Interest Margin2.91%2.98%3.05%3.61%3.50%+59 bps
Efficiency Ratio101.22%98.73%96.40%78.73%81.74%-1,948 bps
Non-Interest Burden2.95%2.94%2.93%2.77%2.81%-14 bps
Growth
Asset Growth (YoY)-2.15%-2.47%1.71%1.46%1.30%+345 bps
Loan Growth (YoY)2.26%0.43%2.92%6.05%2.37%+11 bps
Deposit Growth (YoY)1.08%-0.05%3.24%1.32%1.94%+87 bps
Asset Quality
Nonperforming Loans / Loans0.88%0.86%0.69%0.35%0.40%-48 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.55%0.56%0.55%0.53%0.54%-1 bps
Allowance Coverage of NPLs0.6x0.7x0.8x1.5x1.3x+0.7x
Capital
Tier 1 Leverage Ratio14.88%15.19%15.07%15.10%15.09%+22 bps
Total Risk-Based Capital14.88%15.19%15.07%15.10%15.09%+22 bps
Equity / Assets12.74%13.24%13.17%13.28%13.27%+53 bps
Liquidity & Funding
Loans / Deposits82.45%82.00%81.77%85.42%82.79%+34 bps
Liquid Assets / Assets0.15%0.12%0.67%0.83%1.29%+114 bps
CRE / Total Capitaln/a97.29%96.30%114.31%n/an/a