Ravenswood, WV · Cert 29490
State savings bank · OCC · 1 branch
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.15% | 0.21% | 0.22% | 0.24% | 0.30% | +15 bps | |
| Return on Equity | 1.42% | 1.99% | 2.15% | 2.34% | 2.91% | +149 bps | |
| Net Interest Margin | 2.10% | 2.15% | 2.12% | 2.11% | 2.24% | +14 bps | |
| Efficiency Ratio | 91.18% | 87.76% | 86.59% | 85.03% | 82.68% | -850 bps | |
| Non-Interest Burden | 1.92% | 1.88% | 1.84% | 1.79% | 1.84% | -8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.66% | 7.22% | 8.01% | 7.22% | 2.40% | -126 bps | |
| Loan Growth (YoY) | -3.99% | -1.33% | 2.33% | 0.34% | -0.85% | +314 bps | |
| Deposit Growth (YoY) | 4.10% | 8.03% | 8.65% | 7.76% | 2.34% | -176 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.85% | 0.52% | 0.52% | 1.10% | 1.11% | +26 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.57% | 0.57% | 0.56% | 0.57% | 0.57% | 0 bps | |
| Allowance Coverage of NPLs | 0.7x | 1.1x | 1.1x | 0.5x | 0.5x | -0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.51% | 10.42% | 10.21% | 10.12% | 10.43% | -8 bps | |
| Total Risk-Based Capital | 24.02% | 23.53% | 23.45% | 23.83% | 24.10% | +8 bps | |
| Equity / Assets | 10.48% | 10.28% | 10.11% | 10.11% | 10.53% | +5 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.58% | 85.10% | 83.84% | 81.84% | 83.87% | -270 bps | |
| Liquid Assets / Assets | 20.72% | 20.59% | 21.63% | 24.49% | 23.31% | +259 bps | |
| CRE / Total Capital | n/a | 82.35% | 81.63% | 82.79% | n/a | n/a | |