First Mutual Bank, FSB
Belpre, OH · Cert 29617 · Peer group: banks under $1B in assets operating regionally (n=94) · First Mutual Holding Co.
State savings bank · OCC · 4 affiliate banks · 3 branches (26 in holding)
Q2 2026
$109.9MAssets
$67.9MLoans
$90.6MDeposits
$10.8MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 88% of banks under $1B in assets operating regionally (rank 11 of 94).
- Widest gap: net interest margin trails 99% of banks under $1B in assets operating regionally (rank 93 of 94).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.30%
Rank 87 of 94
Net Interest Margin
2.50%
Rank 93 of 94
Efficiency Ratio
86.90%
Rank 85 of 94
Equity / Assets
9.81%
Rank 58 of 94
Non-interest income vs. expense
Unfavorable gap of $2.3M · efficiency ratio beats 11% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.30% | 0.82% | 1.19% | 1.46% | Beats 7% | 87 / 94 | |
| Return on Equity | 3.02% | 7.85% | 11.84% | 14.03% | Beats 10% | 85 / 94 | |
| Net Interest Margin | 2.50% | 3.42% | 3.81% | 4.18% | Beats 1% | 93 / 94 | |
| Efficiency Ratio | 86.90% | 55.99% | 62.41% | 73.02% | Beats 11% | 85 / 94 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.55% | 0.19% | 0.47% | 1.14% | Beats 47% | 51 / 94 | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.02% | 0.05% | Beats 36% | 61 / 94 | |
| Capital |
| Tier 1 Capital Ratio | 18.65% | 10.28% | 11.95% | 15.07% | Beats 88% | 11 / 94 | |
| Total Risk-Based Capital Ratio | 19.61% | 10.31% | 12.59% | 15.88% | Beats 88% | 11 / 94 | |
| Equity / Assets | 9.81% | 8.98% | 10.21% | 11.41% | Beats 38% | 58 / 94 | |
| Liquidity & Funding |
| Loans / Deposits | 74.91% | 72.62% | 84.44% | 94.55% | 29th pctl | 67 / 94 | |
| Loans / Assets | 61.78% | 62.50% | 72.84% | 78.99% | 21st pctl | 74 / 94 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |