Woodsfield, OH · Cert 32292
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Wheeling, WV-OH · 2026 SOD (annual) · 0.5% share · #11 of 13 inst. · $0.0B of $5.5B
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 | 0.21% | 0.28% | 0.38% | 0.54% | 0.72% | 0.83% | 1.05% | 1.10% | +56 bps | |
| Return on Equity | 2.75% | 3.61% | 4.87% | 6.91% | 8.93% | 10.28% | 12.71% | 13.40% | +649 bps | |
| Net Interest Margin | 3.21% | 3.25% | 3.60% | 3.67% | 3.82% | 3.92% | 4.37% | 4.35% | +68 bps | |
| Efficiency Ratio | 90.91% | 89.76% | 77.53% | 78.06% | 74.72% | 73.95% | 69.09% | 68.32% | -974 bps | |
| Non-Interest Burden | 2.88% | 2.87% | 2.70% | 2.77% | 2.74% | 2.78% | 2.89% | 2.84% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.14% | 6.06% | 3.26% | 3.33% | 1.42% | 5.36% | 7.09% | 8.07% | +475 bps | |
| Loan Growth (YoY) | 12.86% | 12.19% | 10.90% | 7.58% | 6.13% | 8.38% | 9.61% | 10.08% | +250 bps | |
| Deposit Growth (YoY) | 7.16% | 6.43% | 2.99% | 3.02% | 3.21% | 4.69% | 6.72% | 7.81% | +478 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.33% | 1.18% | 0.65% | 0.62% | 0.57% | 0.54% | 0.70% | 0.92% | +30 bps | |
| Net Charge-Offs / Loans | -0.05% | 0.04% | 0.29% | 0.15% | 0.11% | 0.08% | 0.07% | 0.06% | -9 bps | |
| Allowance / Loans | 0.97% | 0.93% | 0.93% | 0.94% | 0.97% | 0.99% | 1.02% | 1.03% | +9 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.8x | 1.4x | 1.5x | 1.7x | 1.8x | 1.5x | 1.1x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.72% | 8.77% | 8.66% | 8.57% | 8.81% | 8.80% | 8.72% | 8.61% | +3 bps | |
| Total Risk-Based Capital | 15.57% | 15.60% | 15.54% | 15.70% | 15.94% | 15.56% | 15.61% | 15.48% | -22 bps | |
| Equity / Assets | 7.96% | 7.87% | 7.76% | 7.96% | 8.44% | 8.42% | 8.06% | 8.15% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.46% | 78.68% | 76.04% | 77.70% | 80.67% | 81.46% | 78.10% | 79.34% | +164 bps | |
| Liquid Assets / Assets | 5.10% | 4.26% | 8.10% | 7.38% | 4.50% | 4.43% | 8.25% | 4.78% | -260 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 130.60% | 146.52% | 135.87% | n/a | n/a | |