Delaware, OH · Cert 29521 · Fidelity FS&LA MHC
State savings bank · OCC · 2 branches
Q2 2026
Market Position · Columbus, OH · 2026 SOD (annual) · 0.1% share · #39 of 53 inst. · $0.1B of $124.6B
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 | 0.01% | -0.06% | -0.09% | -0.04% | -0.10% | 0.10% | 0.09% | 0.23% | +27 bps | |
| Return on Equity | 0.05% | -0.43% | -0.67% | -0.29% | -0.70% | 0.68% | 0.64% | 1.62% | +192 bps | |
| Net Interest Margin | 2.42% | 2.40% | 2.31% | 2.43% | 2.42% | 2.48% | 2.49% | 2.60% | +18 bps | |
| Efficiency Ratio | 100.86% | 102.85% | 104.24% | 103.14% | 106.35% | 93.47% | 95.64% | 89.51% | -1,363 bps | |
| Non-Interest Burden | 2.45% | 2.47% | 2.41% | 2.51% | 2.58% | 2.31% | 2.38% | 2.32% | -19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.19% | -0.21% | 0.75% | 2.03% | 2.76% | 1.80% | 1.71% | 1.05% | -98 bps | |
| Loan Growth (YoY) | 12.22% | 11.54% | 10.64% | 10.24% | 8.59% | 6.48% | 3.30% | 4.18% | -606 bps | |
| Deposit Growth (YoY) | -7.27% | -2.64% | 2.01% | 1.91% | 5.59% | 3.01% | 2.09% | 3.45% | +154 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.15% | 0.05% | 0.26% | 0.25% | 0.04% | 0.36% | 0.00% | 0.04% | -20 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.93% | 0.91% | 0.89% | 0.86% | 0.85% | 0.85% | 0.86% | 0.83% | -3 bps | |
| Allowance Coverage of NPLs | 6.2x | 18.1x | 3.5x | 3.5x | 20.3x | 2.4x | n/a | 19.1x | +15.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 17.58% | 17.44% | 17.33% | 17.23% | 17.16% | 16.99% | 17.10% | 17.02% | -21 bps | |
| Total Risk-Based Capital | 34.96% | 34.78% | 34.47% | 32.21% | 17.16% | 33.64% | 17.10% | 17.02% | -1,519 bps | |
| Equity / Assets | 14.13% | 13.19% | 13.72% | 13.67% | 14.22% | 14.41% | 14.30% | 14.19% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.12% | 77.87% | 77.54% | 81.12% | 79.31% | 80.50% | 78.47% | 81.69% | +57 bps | |
| Liquid Assets / Assets | 0.92% | 0.45% | 0.38% | 0.80% | 1.65% | 0.96% | 0.83% | 1.65% | +86 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 60.15% | 59.56% | 56.41% | n/a | n/a | |