Strasburg, OH · Cert 29858 · Strasburg Bcorp Inc.
State charter, non-member · FDIC · 4 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.91% | 0.94% | 0.94% | 1.33% | 1.35% | 1.37% | 1.51% | 1.57% | +24 bps | |
| Return on Equity | 12.94% | 13.38% | 13.11% | 18.47% | 18.85% | 19.11% | 21.11% | 21.78% | +330 bps | |
| Net Interest Margin | 3.10% | 3.14% | 3.45% | 3.90% | 3.88% | 3.87% | 4.13% | 4.13% | +22 bps | |
| Efficiency Ratio | 62.84% | 61.97% | 63.07% | 55.93% | 55.13% | 55.98% | 55.43% | 55.19% | -74 bps | |
| Non-Interest Burden | 1.84% | 1.83% | 2.08% | 2.06% | 2.00% | 2.03% | 2.17% | 2.15% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.30% | 13.34% | 13.13% | 10.89% | 7.70% | 7.78% | 8.63% | 7.29% | -360 bps | |
| Loan Growth (YoY) | 16.41% | 12.31% | 12.47% | 13.10% | 12.95% | 11.07% | 9.96% | 8.38% | -472 bps | |
| Deposit Growth (YoY) | 21.79% | 22.16% | 12.85% | 7.50% | 3.66% | 7.49% | 8.29% | 6.08% | -141 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.31% | 2.24% | 2.31% | 0.18% | 0.06% | 0.22% | 0.22% | 0.14% | -3 bps | |
| Net Charge-Offs / Loans | 0.16% | 0.11% | 0.00% | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 0.82% | 0.81% | 0.85% | 0.86% | 0.91% | 0.93% | 0.92% | 0.90% | +4 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 0.4x | 4.9x | 14.9x | 4.3x | 4.1x | 6.4x | +1.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.11% | 7.19% | 7.30% | 7.42% | 7.30% | 7.13% | 7.21% | 7.36% | -5 bps | |
| Total Risk-Based Capital | 10.46% | 10.54% | 10.60% | 10.73% | 10.82% | 10.79% | 10.68% | 10.66% | -6 bps | |
| Equity / Assets | 6.94% | 7.16% | 7.21% | 7.24% | 7.15% | 7.22% | 7.12% | 7.28% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.77% | 92.98% | 96.43% | 97.51% | 97.82% | 96.07% | 97.91% | 99.62% | +211 bps | |
| Liquid Assets / Assets | 12.66% | 9.68% | 8.81% | 8.37% | 8.75% | 7.60% | 8.37% | 8.02% | -35 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 406% | 400% | 415% | n/a | n/a | |