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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | 0.20% | 0.64% | 0.52% | 0.59% | 0.06% | 0.47% | 0.38% | -14 bps | |
| Return on Equity | 3.81% | 2.17% | 6.97% | 5.54% | 6.23% | 0.65% | 4.89% | 3.81% | -173 bps | |
| Net Interest Margin | 3.04% | 3.01% | 3.19% | 3.33% | 3.44% | 3.40% | 3.41% | 3.43% | +10 bps | |
| Efficiency Ratio | 86.84% | 91.42% | 77.58% | 81.66% | 79.79% | 97.00% | 83.54% | 86.67% | +501 bps | |
| Non-Interest Burden | 2.60% | 2.73% | 2.40% | 2.66% | 2.69% | 3.29% | 2.79% | 2.94% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.14% | 6.28% | 4.02% | 3.40% | 0.04% | 0.43% | -1.28% | -3.86% | -727 bps | |
| Loan Growth (YoY) | 2.29% | 1.24% | 1.49% | 0.69% | -2.17% | -2.83% | -3.71% | -3.69% | -438 bps | |
| Deposit Growth (YoY) | 5.35% | 8.68% | 8.40% | 7.92% | 2.04% | 3.15% | 1.25% | 0.38% | -754 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.44% | 0.00% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.66% | 0.66% | 0.67% | 0.67% | 0.68% | 0.69% | 0.71% | 0.71% | +4 bps | |
| Allowance Coverage of NPLs | n/a | 1.5x | n/a | 1.0x | 1.0x | 1.0x | 0.4x | 0.3x | -0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.29% | 9.07% | 9.10% | 9.48% | 9.63% | 9.46% | 9.88% | 10.01% | +53 bps | |
| Total Risk-Based Capital | 14.37% | 14.23% | 14.67% | 14.73% | 14.90% | 14.91% | 15.19% | 15.36% | +63 bps | |
| Equity / Assets | 9.16% | 9.01% | 9.34% | 9.37% | 9.65% | 9.42% | 9.88% | 10.14% | +76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 112.75% | 111.03% | 109.18% | 107.95% | 108.10% | 104.59% | 103.83% | 103.56% | -438 bps | |
| Liquid Assets / Assets | 4.76% | 6.34% | 5.83% | 6.47% | 6.81% | 9.47% | 3.40% | 2.94% | -354 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 250% | 242% | 231% | n/a | n/a | |