Southern Hills Community Bank
Leesburg, OH · Cert 29749 · Peer group: banks under $1B in assets in OH (n=69-72)
State savings bank · OCC · 8 branches
Q2 2026
$209.6MAssets
$103.7MLoans
$179.5MDeposits
$27.5MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 72% of banks under $1B in assets in OH (rank 20 of 72).
- Widest gap: net charge-offs / loans trails 91% of banks under $1B in assets in OH (rank 64 of 69).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.61%
Rank 56 of 72
Net Interest Margin
3.87%
Rank 24 of 72
Efficiency Ratio
82.52%
Rank 59 of 72
Equity / Assets
13.11%
Rank 20 of 72
Non-interest income vs. expense
Unfavorable gap of $6.5M · efficiency ratio beats 19% of banks under $1B in assets in OH | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.61% | 0.68% | 1.03% | 1.39% | Beats 22% | 56 / 72 | |
| Return on Equity | 4.67% | 5.90% | 10.07% | 13.60% | Beats 19% | 58 / 72 | |
| Net Interest Margin | 3.87% | 3.01% | 3.56% | 4.07% | Beats 67% | 24 / 72 | |
| Efficiency Ratio | 82.52% | 56.91% | 70.77% | 78.80% | Beats 19% | 59 / 72 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.58% | 0.08% | 0.27% | 0.97% | Beats 14% | 60 / 69 | |
| Net Charge-Offs / Loans | 0.08% | n/a | 0.00% | 0.04% | Beats 9% | 64 / 69 | |
| Capital |
| Tier 1 Capital Ratio | 13.77% | 11.44% | 14.23% | 20.34% | Beats 49% | 37 / 72 | |
| Total Risk-Based Capital Ratio | 13.77% | 12.24% | 14.44% | 21.24% | Beats 43% | 41 / 72 | |
| Equity / Assets | 13.11% | 8.75% | 10.85% | 13.51% | Beats 72% | 20 / 72 | |
| Liquidity & Funding |
| Loans / Deposits | 57.76% | 64.48% | 76.81% | 87.49% | 12th pctl | 61 / 69 | |
| Loans / Assets | 49.48% | 56.60% | 65.67% | 73.89% | 17th pctl | 60 / 72 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |