Belpre, OH · Cert 29617 · First Mutual Holding Co.
State savings bank · OCC · 4 affiliate banks · 3 branches (26 in holding)
Q2 2026
Market Position · Parkersburg-Vienna, WV · 2026 SOD (annual) · 0.7% share · #9 of 9 inst. · $0.0B of $2.3B
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 | 0.05% | 0.08% | 0.42% | 0.32% | 0.27% | 0.27% | 0.19% | 0.29% | -3 bps | |
| Return on Equity | 0.64% | 1.05% | 4.90% | 3.67% | 3.04% | 2.93% | 2.02% | 3.04% | -62 bps | |
| Net Interest Margin | 1.98% | 2.33% | 2.54% | 2.61% | 2.63% | 2.56% | 2.47% | 2.50% | -12 bps | |
| Efficiency Ratio | 94.82% | 94.44% | 83.15% | 86.12% | 88.92% | 90.26% | 89.76% | 86.77% | +66 bps | |
| Non-Interest Burden | 1.89% | 2.20% | 1.98% | 2.12% | 2.22% | 2.19% | 2.10% | 2.04% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.34% | -4.28% | -20.28% | -20.81% | -2.82% | 0.79% | -0.82% | -0.33% | +2,048 bps | |
| Loan Growth (YoY) | 2.82% | 4.54% | 4.58% | 2.12% | 2.99% | -1.84% | -2.28% | -4.36% | -648 bps | |
| Deposit Growth (YoY) | -2.37% | -3.42% | -4.08% | -6.28% | -1.51% | 1.68% | 0.68% | 3.07% | +935 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.60% | 0.42% | 0.73% | 0.49% | 0.48% | 0.90% | 0.90% | 0.55% | +6 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.05% | 0.04% | 0.03% | 0.16% | 0.08% | +3 bps | |
| Allowance / Loans | 0.84% | 0.82% | 0.83% | 0.82% | 0.79% | 0.76% | 0.76% | 0.76% | -6 bps | |
| Allowance Coverage of NPLs | 1.4x | 2.0x | 1.1x | 1.7x | 1.7x | 0.8x | 0.8x | 1.4x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.47% | 8.93% | 9.20% | 9.41% | 9.57% | 9.44% | 9.51% | 9.60% | +19 bps | |
| Total Risk-Based Capital | 19.01% | 19.06% | 18.85% | 18.51% | 18.18% | 19.07% | 19.47% | 19.61% | +110 bps | |
| Equity / Assets | 8.87% | 8.29% | 8.84% | 9.10% | 9.52% | 9.52% | 9.65% | 9.81% | +71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.02% | 78.74% | 76.92% | 80.73% | 79.49% | 76.02% | 74.66% | 74.91% | -581 bps | |
| Liquid Assets / Assets | 6.68% | 6.08% | 5.99% | 3.95% | 3.99% | 6.52% | 6.09% | 6.05% | +210 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 49.71% | 52.16% | 50.57% | n/a | n/a | |