Van Wert, OH · Cert 29495 · VWF Bcorp Inc.
State savings bank · OCC · 2 branches
Q2 2026
Market Position · Fort Wayne, IN · 2026 SOD (annual) · 1.3% share · #14 of 26 inst. · $0.1B of $11.1B
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 | -0.69% | -1.22% | -0.29% | -0.07% | 0.06% | 0.12% | 0.27% | 0.07%1 | +14 bps | |
| Return on Equity | -6.39% | -11.52% | -3.06% | -0.82% | 0.66% | 1.39% | 3.16% | 0.83% | +165 bps | |
| Net Interest Margin | 2.03% | 1.92% | 2.32% | 2.26% | 2.26% | 2.33% | 2.31% | 2.45% | +19 bps | |
| Efficiency Ratio | 129.66% | 123.23% | 104.90% | 95.73% | 91.97% | 89.75% | 89.48% | 96.22% | +49 bps | |
| Non-Interest Burden | 2.65% | 2.38% | 2.43% | 2.15% | 2.07% | 2.08% | 2.05% | 2.35% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 47.69% | 34.69% | 37.28% | 27.46% | 25.39% | 16.99% | 4.21% | 1.44% | -2,603 bps | |
| Loan Growth (YoY) | 44.49% | 49.24% | 58.32% | 48.05% | 44.08% | 34.55% | 23.60% | 13.99% | -3,406 bps | |
| Deposit Growth (YoY) | 70.52% | 71.93% | 42.95% | 59.41% | 36.71% | 9.30% | 4.60% | -1.93% | -6,135 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.45% | 0.41% | 0.46% | 0.06% | 0.32% | 0.18% | 0.37% | 0.20% | +14 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 | 0.62% | 0.66% | 0.72% | 0.79% | 0.79% | 0.80% | 0.82% | 0.87% | +8 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.6x | 1.6x | 14.2x | 2.5x | 4.5x | 2.2x | 4.4x | -9.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.80% | 9.69% | 9.43% | 8.44% | 8.15% | 8.36% | 8.69% | 8.50% | +6 bps | |
| Total Risk-Based Capital | 19.18% | 18.00% | 15.99% | 14.90% | 16.01% | 15.82% | 15.67% | 15.21% | +31 bps | |
| Equity / Assets | 9.82% | 10.08% | 8.78% | 8.17% | 8.27% | 8.70% | 8.52% | 8.19% | +3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 53.76% | 51.05% | 54.84% | 54.95% | 56.66% | 62.85% | 64.80% | 63.87% | +892 bps | |
| Liquid Assets / Assets | 0.75% | 4.19% | 1.36% | 1.45% | 2.86% | 1.69% | 1.95% | 2.54% | +108 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 189.98% | 198.05% | 213% | n/a | n/a | |