Newark, OH · Cert 29090
State savings bank · OCC · 5 branches
Q2 2026
Market Position · Columbus, OH · 2026 SOD (annual) · 0.2% share · #25 of 53 inst. · $0.3B of $124.6B
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 | 0.13% | 0.15% | 0.17% | 0.23% | 0.30% | 0.34% | 0.47% | 0.50% | +28 bps | |
| Return on Equity | 0.95% | 1.14% | 1.30% | 1.76% | 2.33% | 2.65% | 3.55% | 3.77% | +201 bps | |
| Net Interest Margin | 2.31% | 2.30% | 2.48% | 2.57% | 2.63% | 2.66% | 2.90% | 3.00% | +43 bps | |
| Efficiency Ratio | 94.01% | 93.36% | 91.60% | 88.54% | 86.97% | 85.79% | 81.10% | 80.70% | -785 bps | |
| Non-Interest Burden | 2.15% | 2.12% | 2.24% | 2.24% | 2.24% | 2.23% | 2.28% | 2.35% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.12% | 9.03% | 6.64% | 4.05% | 2.20% | 0.82% | 1.35% | 0.32% | -372 bps | |
| Loan Growth (YoY) | 13.41% | 8.36% | 6.66% | 6.49% | 2.69% | 3.48% | 2.06% | -1.90% | -839 bps | |
| Deposit Growth (YoY) | 7.83% | 10.10% | 9.78% | 5.62% | 3.62% | 1.08% | 1.05% | -0.36% | -598 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.80% | 0.64% | 0.62% | 0.77% | 0.77% | 1.02% | 1.13% | 1.28% | +51 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | +1 bps | |
| Allowance / Loans | 0.66% | 0.67% | 0.67% | 0.67% | 0.67% | 0.66% | 0.68% | 0.68% | +2 bps | |
| Allowance Coverage of NPLs | 0.8x | 1.0x | 1.1x | 0.9x | 0.9x | 0.6x | 0.6x | 0.5x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.01% | 13.61% | 13.77% | 13.77% | 13.92% | 13.81% | 13.91% | 14.18% | +40 bps | |
| Total Risk-Based Capital | 14.01% | 13.61% | 13.77% | 13.77% | 13.92% | 13.81% | 13.91% | 14.18% | +40 bps | |
| Equity / Assets | 13.02% | 12.73% | 12.96% | 12.99% | 13.12% | 13.21% | 13.37% | 13.56% | +57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.58% | 82.04% | 83.17% | 85.62% | 83.82% | 83.98% | 84.01% | 84.30% | -132 bps | |
| Liquid Assets / Assets | 15.21% | 17.18% | 15.60% | 13.73% | 15.34% | 15.65% | 15.93% | 15.93% | +219 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 114.86% | 106.95% | 105.22% | n/a | n/a | |