New Carlisle, OH · Cert 29173
State savings bank · OCC · 3 branches
Q2 2026
Market Position · Springfield, OH · 2026 SOD (annual) · 11.7% share · #4 of 11 inst. · $0.3B of $2.2B
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 | 1.13% | 1.07% | 0.88% | 1.05% | 1.01% | 0.96% | 0.93% | 1.20% | +15 bps | |
| Return on Equity | 13.63% | 12.85% | 10.56% | 12.50% | 12.23% | 11.61% | 11.39% | 14.51% | +201 bps | |
| Net Interest Margin | 3.49% | 3.40% | 3.35% | 3.38% | 3.29% | 3.31% | 3.61% | 3.96% | +58 bps | |
| Efficiency Ratio | 62.50% | 62.77% | 69.41% | 64.84% | 62.87% | 62.24% | 63.60% | 57.28% | -757 bps | |
| Non-Interest Burden | 1.95% | 1.94% | 2.23% | 2.06% | 1.94% | 1.94% | 2.18% | 2.14% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.36% | 8.52% | 13.65% | 13.45% | 21.03% | 15.83% | 14.94% | 14.33% | +88 bps | |
| Loan Growth (YoY) | 11.19% | 14.14% | 13.44% | 15.11% | 15.88% | 14.03% | 15.93% | 12.12% | -299 bps | |
| Deposit Growth (YoY) | 10.61% | 8.37% | 16.28% | 18.08% | 39.78% | 31.93% | 25.83% | 19.08% | +100 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.82% | 1.50% | 2.29% | 1.93% | 1.97% | 1.47% | 1.57% | 1.78% | -15 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 0.01% | 0.19% | 0.14% | 0.43% | 0.04% | 0.39% | +19 bps | |
| Allowance / Loans | 0.94% | 0.94% | 0.93% | 0.88% | 0.93% | 0.73% | 0.78% | 0.72% | -16 bps | |
| Allowance Coverage of NPLs | 1.1x | 0.6x | 0.4x | 0.5x | 0.5x | 0.5x | 0.5x | 0.4x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.73% | 8.66% | 8.37% | 8.48% | 8.25% | 8.25% | 8.17% | 8.42% | -6 bps | |
| Total Risk-Based Capital | 11.24% | 10.91% | 10.67% | 10.74% | 10.42% | 10.34% | 10.21% | 10.79% | +5 bps | |
| Equity / Assets | 8.56% | 8.44% | 8.21% | 8.46% | 8.02% | 8.26% | 8.06% | 8.39% | -8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 129.87% | 128.21% | 116.20% | 114.87% | 107.66% | 110.81% | 107.06% | 108.16% | -672 bps | |
| Liquid Assets / Assets | 2.29% | 3.13% | 3.33% | 2.55% | 2.59% | 2.54% | 2.38% | 2.74% | +19 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 427% | 450% | 456% | n/a | n/a | |