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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.07% | 0.02% | 0.07% | 0.08% | 0.07% | +14 bps | |
| Return on Equity | -0.74% | 0.20% | 0.71% | 0.90% | 0.74% | +148 bps | |
| Net Interest Margin | 1.81% | 1.89% | 2.00% | 2.09% | 2.11% | +30 bps | |
| Efficiency Ratio | 106.80% | 99.53% | 97.56% | 95.90% | 96.15% | -1,066 bps | |
| Non-Interest Burden | 1.96% | 1.88% | 1.94% | 1.99% | 2.02% | +6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.06% | 9.94% | 14.26% | 11.73% | 7.82% | +575 bps | |
| Loan Growth (YoY) | 11.90% | 25.13% | 29.39% | 26.68% | 21.12% | +921 bps | |
| Deposit Growth (YoY) | 9.20% | 19.51% | 22.28% | 19.32% | 9.33% | +13 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.57% | 0.42% | 0.42% | 0.43% | 0.41% | -16 bps | |
| Net Charge-Offs / Loans | -0.07% | -0.06% | -0.04% | -0.03% | -0.07% | -1 bps | |
| Allowance / Loans | 0.43% | 0.40% | 0.40% | 0.41% | 0.42% | -1 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.9x | 1.0x | 0.9x | 1.0x | +0.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.29% | 10.80% | 10.59% | 10.43% | 10.36% | -93 bps | |
| Total Risk-Based Capital | 23.02% | 21.29% | 20.93% | 20.74% | 20.34% | -268 bps | |
| Equity / Assets | 9.64% | 9.29% | 9.25% | 9.37% | 9.29% | -35 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.08% | 89.10% | 88.66% | 91.36% | 94.25% | +917 bps | |
| Liquid Assets / Assets | 5.92% | 3.96% | 3.35% | 1.19% | 0.76% | -516 bps | |
| CRE / Total Capital | n/a | 23.56% | 22.86% | 17.52% | n/a | n/a | |