Conneaut, OH · Cert 28677 · Conneaut Bcorp MHC
SL · FDIC · 1 branch
Q2 2026
Market Position · Cleveland, OH · 2026 SOD (annual) · 0.0% share · #29 of 35 inst. · $0.1B of $136.4B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | -0.11% | -0.06% | 0.04% | 0.19% | 0.32% | 0.68% | 0.48% | +43 bps | |
| Return on Equity | 0.17% | -0.84% | -0.47% | 0.33% | 1.48% | 2.41% | 5.16% | 3.58% | +325 bps | |
| Net Interest Margin | 2.74% | 2.71% | 2.83% | 3.00% | 3.13% | 3.22% | 3.61% | 3.42% | +43 bps | |
| Efficiency Ratio | 100.17% | 104.52% | 103.19% | 99.37% | 94.06% | 89.87% | 78.73% | 84.90% | -1,446 bps | |
| Non-Interest Burden | 2.74% | 2.85% | 2.93% | 2.97% | 2.93% | 2.86% | 2.77% | 2.86% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.77% | -5.96% | -3.28% | -2.15% | -2.47% | 1.71% | 1.46% | 1.30% | +345 bps | |
| Loan Growth (YoY) | -0.85% | -3.27% | -0.35% | 2.26% | 0.43% | 2.92% | 6.05% | 2.37% | +11 bps | |
| Deposit Growth (YoY) | -1.84% | 0.57% | 3.06% | 1.08% | -0.05% | 3.24% | 1.32% | 1.94% | +87 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.39% | 0.79% | 0.75% | 0.88% | 0.86% | 0.69% | 0.35% | 0.40% | -48 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.56% | 0.57% | 0.56% | 0.55% | 0.56% | 0.55% | 0.53% | 0.54% | -1 bps | |
| Allowance Coverage of NPLs | 1.4x | 0.7x | 0.7x | 0.6x | 0.7x | 0.8x | 1.5x | 1.3x | +0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.65% | 14.85% | 14.95% | 14.88% | 15.19% | 15.07% | 15.10% | 15.09% | +22 bps | |
| Total Risk-Based Capital | 14.65% | 14.85% | 14.95% | 14.88% | 15.19% | 15.07% | 15.10% | 15.09% | +22 bps | |
| Equity / Assets | 12.72% | 12.39% | 12.66% | 12.74% | 13.24% | 13.17% | 13.28% | 13.27% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.61% | 82.02% | 81.60% | 82.45% | 82.00% | 81.77% | 85.42% | 82.79% | +34 bps | |
| Liquid Assets / Assets | 0.68% | 0.74% | 0.44% | 0.15% | 0.12% | 0.67% | 0.83% | 1.29% | +114 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 97.29% | 96.30% | 114.31% | n/a | n/a | |