Bucyrus, OH · Cert 29813
State charter, non-member · FDIC · 2 branches
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.07% | 0.12% | 0.19% | 0.37% | 0.39% | +32 bps | |
| Return on Equity | 0.37% | 0.63% | 0.97% | 1.91% | 2.03% | +166 bps | |
| Net Interest Margin | 2.29% | 2.34% | 2.36% | 2.57% | 2.60% | +31 bps | |
| Efficiency Ratio | 96.33% | 94.65% | 92.39% | 86.89% | 86.16% | -1,017 bps | |
| Non-Interest Burden | 2.20% | 2.20% | 2.16% | 2.21% | 2.21% | +1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.01% | 1.22% | 0.62% | 3.53% | 0.74% | -527 bps | |
| Loan Growth (YoY) | 5.10% | 7.08% | 10.58% | 10.88% | 7.13% | +203 bps | |
| Deposit Growth (YoY) | 7.28% | 1.43% | 0.42% | 3.80% | 0.23% | -705 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.42% | 1.89% | 2.11% | 1.12% | 2.22% | +80 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.36% | 0.35% | 0.34% | 0.34% | 0.33% | -2 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.2x | 0.2x | 0.3x | 0.2x | -0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 20.10% | 20.34% | 20.17% | 20.11% | 20.34% | +24 bps | |
| Total Risk-Based Capital | 20.10% | 20.34% | 20.17% | 20.11% | 20.34% | +24 bps | |
| Equity / Assets | 19.23% | 19.22% | 19.38% | 19.13% | 19.62% | +39 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 53.84% | 54.89% | 56.69% | 55.39% | 57.55% | +371 bps | |
| Liquid Assets / Assets | 44.09% | 42.62% | 42.14% | 40.66% | 41.06% | -303 bps | |
| CRE / Total Capital | n/a | 7.15% | 7.06% | 8.27% | n/a | n/a | |