Bethel, OH · Cert 32286
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Cincinnati, OH-KY-IN · 2026 SOD (annual) · 0.0% share · #41 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.54% | -0.40% | 0.19% | 0.42% | 0.41% | 0.42% | 0.31% | 0.45% | +3 bps | |
| Return on Equity | -3.18% | -2.38% | 1.15% | 2.68% | 2.69% | 2.83% | 2.20% | 3.22% | +54 bps | |
| Net Interest Margin | 3.03% | 2.97% | 3.14% | 3.06% | 3.04% | 3.14% | 3.33% | 3.39% | +33 bps | |
| Efficiency Ratio | 122.26% | 127.08% | 94.09% | 85.08% | 84.52% | 85.24% | 89.62% | 84.34% | -74 bps | |
| Non-Interest Burden | 3.74% | 3.82% | 2.94% | 2.58% | 2.54% | 2.66% | 2.97% | 2.84% | +25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.68% | 5.04% | 1.58% | 20.76% | 19.80% | 18.79% | 20.78% | 6.71% | -1,405 bps | |
| Loan Growth (YoY) | 3.84% | 2.98% | 3.79% | 23.03% | 22.86% | 20.79% | 18.27% | -3.40% | -2,643 bps | |
| Deposit Growth (YoY) | 6.65% | 4.66% | 2.68% | 15.67% | 14.59% | 13.45% | 15.28% | 12.87% | -280 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.25% | 0.53% | 0.23% | 0.18% | 0.11% | 0.11% | 0.10% | 0.10% | -8 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | -0.02% | -0.01% | -0.01% | -0.01% | 0.00% | -0.01% | +1 bps | |
| Allowance / Loans | 0.45% | 0.47% | 0.47% | 0.40% | 0.44% | 0.47% | 0.47% | 0.48% | +8 bps | |
| Allowance Coverage of NPLs | 1.8x | 0.9x | 2.0x | 2.2x | 4.0x | 4.2x | 4.6x | 4.9x | +2.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.70% | 16.49% | 16.83% | 14.95% | 14.13% | 14.34% | 14.56% | 14.76% | -19 bps | |
| Total Risk-Based Capital | 16.70% | 16.49% | 16.83% | 14.95% | 14.13% | 14.34% | 14.56% | 14.76% | -19 bps | |
| Equity / Assets | 16.43% | 16.45% | 16.68% | 13.83% | 14.01% | 14.33% | 14.29% | 13.40% | -43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.29% | 105.56% | 107.41% | 113.55% | 112.88% | 112.39% | 110.19% | 97.18% | -1,637 bps | |
| Liquid Assets / Assets | 5.45% | 5.39% | 3.62% | 4.79% | 4.83% | 5.58% | 6.85% | 12.93% | +814 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 152.97% | 151.12% | 153.30% | n/a | n/a | |