Wapakoneta, OH · Cert 30176
State charter, non-member · FDIC · 1 branch
Q2 2026
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 | 0.57% | 0.60% | 0.42% | 0.25% | 0.84% | +27 bps | |
| Return on Equity | 4.94% | 5.00% | 3.39% | 2.11% | 7.20% | +225 bps | |
| Net Interest Margin | 3.33% | 3.58% | 3.65% | 3.58% | 3.80% | +46 bps | |
| Efficiency Ratio | 78.49% | 78.57% | 85.64% | 90.58% | 71.56% | -693 bps | |
| Non-Interest Burden | 2.60% | 2.80% | 3.12% | 3.24% | 2.71% | +10 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.97% | 4.40% | -2.21% | 2.02% | 9.66% | +369 bps | |
| Loan Growth (YoY) | 12.62% | 11.57% | 3.51% | 3.50% | 6.09% | -653 bps | |
| Deposit Growth (YoY) | 8.40% | 4.82% | 5.21% | 4.62% | 10.24% | +184 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.76% | 0.74% | 0.73% | 0.73% | 0.73% | -3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.39% | 12.74% | 12.68% | 12.79% | 12.40% | 0 bps | |
| Total Risk-Based Capital | 12.39% | 12.74% | 12.68% | 12.79% | 12.40% | 0 bps | |
| Equity / Assets | 11.83% | 12.22% | 12.32% | 11.83% | 11.49% | -34 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 102.32% | 107.00% | 106.06% | 103.61% | 98.47% | -385 bps | |
| Liquid Assets / Assets | 3.11% | 0.73% | 0.57% | 4.53% | 8.15% | +504 bps | |
| CRE / Total Capital | n/a | 69.40% | 74.30% | 81.12% | n/a | n/a | |