Lorain, OH · Cert 29838
State savings bank · OCC · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
65
Asset Quality
60
Profitability
4
Liquidity
27
Efficiency
4
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Lorain, OH · Cert 29838
State savings bank · OCC · 6 branches
Q2 2026
Market Position · Cleveland, OH · 2026 SOD (annual) · 0.3% share · #19 of 35 inst. · $0.4B of $136.4B
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 | -0.67% | -0.62% | -0.31% | -0.19% | -0.12% | -0.07% | 0.08% | 0.08% | +26 bps | |
| Return on Equity | -6.80% | -6.30% | -3.05% | -1.89% | -1.18% | -0.70% | 0.90% | 0.82% | +271 bps | |
| Net Interest Margin | 1.09% | 1.17% | 1.60% | 1.67% | 1.69% | 1.74% | 2.09% | 2.09% | +42 bps | |
| Efficiency Ratio | 156.35% | 150.53% | 121.33% | 113.56% | 108.44% | 105.40% | 95.90% | 96.02% | -1,753 bps | |
| Non-Interest Burden | 1.99% | 2.02% | 2.04% | 1.95% | 1.87% | 1.86% | 1.99% | 1.99% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.50% | -5.37% | -3.25% | 2.06% | 9.94% | 14.26% | 11.73% | 7.82% | +575 bps | |
| Loan Growth (YoY) | -3.86% | -2.49% | 2.54% | 11.90% | 25.13% | 29.39% | 26.68% | 21.12% | +921 bps | |
| Deposit Growth (YoY) | -4.40% | -1.54% | 0.61% | 9.20% | 19.51% | 22.28% | 19.32% | 9.33% | +13 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.93% | 0.78% | 0.60% | 0.57% | 0.42% | 0.42% | 0.43% | 0.41% | -16 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.09% | -0.03% | -0.05% | -0.05% | -0.04% | -0.03% | -0.05% | 0 bps | |
| Allowance / Loans | 0.48% | 0.48% | 0.46% | 0.43% | 0.40% | 0.40% | 0.41% | 0.42% | -1 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.6x | 0.8x | 0.7x | 0.9x | 1.0x | 0.9x | 1.0x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.76% | 11.78% | 11.83% | 11.29% | 10.80% | 10.59% | 10.43% | 10.36% | -93 bps | |
| Total Risk-Based Capital | 25.22% | 25.15% | 24.55% | 23.02% | 21.29% | 20.93% | 20.74% | 20.34% | -268 bps | |
| Equity / Assets | 10.23% | 10.00% | 10.04% | 9.64% | 9.29% | 9.25% | 9.37% | 9.29% | -35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.10% | 83.79% | 86.05% | 85.08% | 89.10% | 88.66% | 91.36% | 94.25% | +917 bps | |
| Liquid Assets / Assets | 2.76% | 4.34% | 4.75% | 5.92% | 3.96% | 3.35% | 1.19% | 0.76% | -516 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 23.56% | 22.86% | 17.52% | n/a | n/a | |
Lorain, OH · Cert 29838 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State savings bank · OCC · 6 branches
Q2 2026
Return on Assets
0.08%
Rank 714 of 746
Net Interest Margin
2.09%
Rank 724 of 746
Efficiency Ratio
96.02%
Rank 718 of 746
Equity / Assets
9.29%
Rank 519 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.08% | 0.72% | 1.06% | 1.45% | Beats 4% | 714 / 746 | ||
| Return on Equity | 0.82% | 6.74% | 10.51% | 13.63% | Beats 5% | 708 / 746 | ||
| Net Interest Margin | 2.09% | 3.17% | 3.68% | 4.16% | Beats 3% | 724 / 746 | ||
| Efficiency Ratio | 96.02% | 55.74% | 64.58% | 75.47% | Beats 4% | 718 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.41% | 0.09% | 0.42% | 1.07% | Beats 51% | 363 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 68% | 242 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.68% | 11.55% | 13.75% | 17.60% | Beats 82% | 134 / 746 | ||
| Total Risk-Based Capital Ratio | 20.34% | 11.71% | 14.33% | 18.43% | Beats 82% | 138 / 746 | ||
| Equity / Assets | 9.29% | 8.90% | 10.51% | 13.06% | Beats 30% | 519 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 94.25% | 61.31% | 78.27% | 90.78% | 82nd pctl | 133 / 746 | ||
| Loans / Assets | 82.09% | 53.60% | 66.97% | 76.08% | 90th pctl | 76 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||