Mason, OH · Cert 30688
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Cincinnati, OH-KY-IN · 2026 SOD (annual) · 0.0% share · #38 of 54 inst. · $0.1B of $187.5B
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 | 0.58% | 0.58% | 0.45% | 0.47% | 0.43% | -15 bps | |
| Return on Equity | 6.25% | 6.24% | 4.82% | 4.89% | 4.35% | -190 bps | |
| Net Interest Margin | 3.30% | 3.35% | 3.31% | 3.41% | 3.42% | +12 bps | |
| Efficiency Ratio | 79.63% | 79.68% | 84.09% | 83.54% | 85.10% | +548 bps | |
| Non-Interest Burden | 2.56% | 2.60% | 2.74% | 2.79% | 2.87% | +31 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.40% | 0.04% | 0.43% | -1.28% | -3.86% | -727 bps | |
| Loan Growth (YoY) | 0.69% | -2.17% | -2.83% | -3.71% | -3.69% | -438 bps | |
| Deposit Growth (YoY) | 7.92% | 2.04% | 3.15% | 1.25% | 0.38% | -754 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.66% | 0.71% | 0.71% | 1.88% | 2.34% | +168 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.67% | 0.68% | 0.69% | 0.71% | 0.71% | +4 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.0x | 1.0x | 0.4x | 0.3x | -0.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.48% | 9.63% | 9.46% | 9.88% | 10.01% | +53 bps | |
| Total Risk-Based Capital | 14.73% | 14.90% | 14.91% | 15.19% | 15.36% | +63 bps | |
| Equity / Assets | 9.37% | 9.65% | 9.42% | 9.88% | 10.14% | +76 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 107.95% | 108.10% | 104.59% | 103.83% | 103.56% | -438 bps | |
| Liquid Assets / Assets | 6.47% | 6.81% | 9.47% | 3.40% | 2.94% | -354 bps | |
| CRE / Total Capital | n/a | 250% | 242% | 231% | n/a | n/a | |