Leesburg, OH · Cert 29749
State savings bank · OCC · 8 branches
Q2 2026
Market Position · Cincinnati, OH-KY-IN · 2026 SOD (annual) · 0.0% share · #43 of 54 inst. · $0.1B of $187.5B
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 | 0.18% | 0.92% | -0.17% | 1.59% | 0.00% | 0.58% | 0.55% | 0.70% | -89 bps | |
| Return on Equity | 1.29% | 6.61% | -1.22% | 11.79% | 0.00% | 4.22% | 4.05% | 5.25% | -653 bps | |
| Net Interest Margin | 3.66% | 3.72% | 3.61% | 3.66% | 4.01% | 3.91% | 3.92% | 3.88% | +22 bps | |
| Efficiency Ratio | 95.49% | 77.52% | 99.90% | 69.15% | 84.73% | 82.84% | 84.52% | 80.60% | +1,145 bps | |
| Non-Interest Burden | 3.50% | 2.69% | 3.61% | 2.03% | 3.34% | 3.18% | 3.27% | 3.04% | +100 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.32% | 5.67% | 11.46% | 12.70% | 8.09% | 8.75% | 5.68% | 4.06% | -864 bps | |
| Loan Growth (YoY) | 4.53% | 0.98% | -3.31% | -3.26% | -4.18% | -5.79% | -6.07% | -7.98% | -471 bps | |
| Deposit Growth (YoY) | 5.89% | 5.91% | 12.52% | 13.81% | 8.53% | 9.00% | 5.96% | 4.20% | -961 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.29% | 0.29% | 0.30% | 0.54% | 0.30% | 0.37% | 0.28% | 1.58% | +104 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.03% | 0.05% | 0.06% | 0.05% | 0.11% | 0.07% | 0.21% | +15 bps | |
| Allowance / Loans | 1.01% | 1.01% | 1.08% | 1.03% | 1.02% | 1.03% | 1.05% | 1.01% | -1 bps | |
| Allowance Coverage of NPLs | 3.4x | 3.5x | 3.6x | 1.9x | 3.4x | 2.8x | 3.7x | 0.6x | -1.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.87% | 14.29% | 14.06% | 13.92% | 13.73% | 13.61% | 13.80% | 13.77% | -16 bps | |
| Total Risk-Based Capital | 14.87% | 14.29% | 14.06% | 13.92% | 13.73% | 13.61% | 13.80% | 13.77% | -16 bps | |
| Equity / Assets | 14.18% | 13.76% | 13.57% | 13.35% | 13.74% | 13.60% | 13.37% | 13.11% | -24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.07% | 72.24% | 67.22% | 65.40% | 65.40% | 62.44% | 59.58% | 57.76% | -764 bps | |
| Liquid Assets / Assets | 7.93% | 4.24% | 6.05% | 4.84% | 3.64% | 2.26% | 1.77% | 1.61% | -324 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 72.32% | 69.11% | 56.24% | n/a | n/a | |