Dover, OH · Cert 29787 · FFD Financial Corp.
National charter · OCC · 8 branches
Q2 2026
Market Position · Canton-Massillon, OH · 2026 SOD (annual) · 0.3% share · #16 of 18 inst. · $0.0B of $10.7B
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 | 1.42% | 1.54% | 1.46% | 1.65% | 1.73% | 1.81% | 1.76% | 1.96% | +31 bps | |
| Return on Equity | 16.91% | 18.40% | 17.30% | 19.30% | 19.90% | 20.29% | 19.67% | 22.25% | +295 bps | |
| Net Interest Margin | 3.25% | 3.32% | 3.31% | 3.57% | 3.74% | 3.80% | 3.72% | 3.72% | +15 bps | |
| Efficiency Ratio | 49.81% | 48.35% | 49.43% | 47.25% | 47.01% | 45.08% | 44.89% | 42.06% | -519 bps | |
| Non-Interest Burden | 1.40% | 1.39% | 1.44% | 1.45% | 1.51% | 1.45% | 1.40% | 1.29% | -16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.23% | 11.88% | 7.60% | 7.79% | 5.46% | 5.64% | 11.97% | 17.40% | +961 bps | |
| Loan Growth (YoY) | 8.10% | 7.88% | 7.90% | 10.77% | 11.42% | 13.82% | 14.60% | 13.93% | +316 bps | |
| Deposit Growth (YoY) | 11.56% | 12.07% | 7.34% | 7.54% | 4.83% | 2.68% | 8.83% | 17.22% | +968 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.13% | 0.14% | 0.09% | 0.11% | 0.09% | 0.17% | 0.14% | 0.08% | -3 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.03% | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 0.98% | 0.98% | 0.98% | 0.99% | 0.99% | 0.99% | 0.99% | 0.99% | 0 bps | |
| Allowance Coverage of NPLs | 7.6x | 6.9x | 11.1x | 9.5x | 10.4x | 5.8x | 6.9x | 12.8x | +3.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.07% | 8.90% | 9.15% | 9.37% | 9.54% | 9.52% | 9.65% | 9.40% | +3 bps | |
| Total Risk-Based Capital | 13.45% | 13.75% | 13.65% | 13.52% | 13.40% | 13.50% | 13.45% | 13.82% | +30 bps | |
| Equity / Assets | 8.41% | 8.33% | 8.55% | 8.57% | 8.84% | 8.99% | 8.87% | 8.75% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.28% | 81.92% | 85.66% | 87.31% | 88.52% | 90.81% | 90.20% | 84.86% | -245 bps | |
| Liquid Assets / Assets | 12.03% | 13.32% | 9.32% | 7.39% | 7.19% | 6.91% | 7.89% | 11.28% | +389 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 295% | 293% | 293% | n/a | n/a | |