Wilmington, OH · Cert 32242 · James R Powell Revocable Trust
State savings bank · OCC · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
59
Asset Quality
20
Profitability
3
Liquidity
71
Efficiency
8
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Wilmington, OH · Cert 32242 · James R Powell Revocable Trust
State savings bank · OCC · 6 branches
Q2 2026
Market Position · North Port-Bradenton-Sarasota, FL · 2026 SOD (annual) · 3.1% share · #7 of 40 inst. · $0.9B of $29.1B
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 | 0.33% | 0.28% | 0.21% | 0.21% | 0.16% | 0.11% | -0.11% | 0.29% | +8 bps | |
| Return on Equity | 5.93% | 4.94% | 3.37% | 3.27% | 2.46% | 1.64% | -1.51% | 3.88% | +61 bps | |
| Net Interest Margin | 1.15% | 1.16% | 1.44% | 1.51% | 1.54% | 1.59% | 1.54% | 1.57% | +7 bps | |
| Efficiency Ratio | 70.02% | 72.92% | 80.48% | 81.37% | 82.82% | 87.61% | 98.25% | 77.10% | -427 bps | |
| Non-Interest Burden | 0.68% | 0.76% | 1.16% | 1.23% | 1.25% | 1.38% | 1.51% | 1.11% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.94% | -1.59% | -1.53% | -8.51% | -9.25% | -8.05% | -7.31% | -0.94% | +758 bps | |
| Loan Growth (YoY) | -1.25% | -1.16% | -4.38% | -6.00% | -6.48% | -7.56% | -3.81% | -3.52% | +248 bps | |
| Deposit Growth (YoY) | 1.01% | 13.67% | 17.54% | 17.52% | 11.68% | -1.90% | -4.26% | -2.70% | -2,021 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.26% | 1.24% | 1.13% | 1.19% | 1.31% | 1.30% | 1.37% | 1.42% | +23 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.01% | 0.04% | 0.04% | 0.06% | 0.08% | 0.28% | 0.21% | +18 bps | |
| Allowance / Loans | 0.87% | 0.89% | 0.93% | 0.96% | 0.97% | 0.99% | 0.99% | 1.00% | +4 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.7x | 0.8x | 0.8x | 0.7x | 0.8x | 0.7x | 0.7x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.32% | 8.35% | 8.43% | 8.94% | 9.24% | 9.42% | 9.43% | 9.61% | +67 bps | |
| Total Risk-Based Capital | 17.46% | 17.96% | 18.07% | 18.87% | 18.35% | 18.92% | 18.64% | 19.08% | +21 bps | |
| Equity / Assets | 6.02% | 5.99% | 6.17% | 6.93% | 7.19% | 7.49% | 7.37% | 7.65% | +72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.70% | 85.47% | 80.64% | 81.87% | 81.81% | 80.54% | 81.01% | 81.18% | -70 bps | |
| Liquid Assets / Assets | 2.35% | 2.51% | 5.21% | 2.71% | 2.97% | 3.45% | 3.85% | 3.42% | +71 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.30% | 0.21% | 0.21% | n/a | n/a | |
Wilmington, OH · Cert 32242 · Peer group: banks $1B-$10B in assets (n=322-328) · James R Powell Revocable Trust
State savings bank · OCC · 6 branches
Q2 2026
Return on Assets
0.29%
Rank 318 of 328
Net Interest Margin
1.57%
Rank 324 of 328
Efficiency Ratio
77.10%
Rank 303 of 328
Equity / Assets
7.65%
Rank 315 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.29% | 0.91% | 1.22% | 1.52% | Beats 3% | 318 / 328 | ||
| Return on Equity | 3.81% | 8.43% | 11.45% | 14.43% | Beats 4% | 314 / 328 | ||
| Net Interest Margin | 1.57% | 3.03% | 3.45% | 3.83% | Beats 1% | 324 / 328 | ||
| Efficiency Ratio | 77.10% | 51.61% | 59.56% | 67.53% | Beats 8% | 303 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.42% | 0.24% | 0.51% | 1.03% | Beats 17% | 267 / 322 | ||
| Net Charge-Offs / Loans | 0.13% | 0.01% | 0.03% | 0.10% | Beats 22% | 253 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.83% | 11.75% | 13.15% | 15.47% | Beats 86% | 47 / 328 | ||
| Total Risk-Based Capital Ratio | 19.08% | 12.63% | 14.15% | 16.46% | Beats 87% | 42 / 328 | ||
| Equity / Assets | 7.65% | 9.15% | 10.33% | 12.01% | Beats 4% | 315 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 81.18% | 76.63% | 87.92% | 95.36% | 33rd pctl | 215 / 323 | ||
| Loans / Assets | 70.20% | 65.18% | 74.15% | 79.98% | 38th pctl | 204 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||