Miamitown, OH · Cert 32293
State charter, non-member · FDIC · 4 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 under $1B in assets in the Cincinnati, OH-KY-IN area (n=15). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
80
Asset Quality
77
Profitability
53
Liquidity
89
Efficiency
73
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.
Miamitown, OH · Cert 32293
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Cincinnati, OH-KY-IN · 2026 SOD (annual) · 0.1% share · #35 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 | 0.70% | 0.71% | 0.41% | 0.70% | 0.75% | 0.82% | 0.93% | 0.97% | +28 bps | |
| Return on Equity | 3.49% | 3.54% | 1.98% | 3.36% | 3.59% | 3.90% | 4.24% | 4.49% | +113 bps | |
| Net Interest Margin | 3.48% | 3.45% | 3.40% | 3.46% | 3.45% | 3.45% | 3.40% | 3.41% | -5 bps | |
| Efficiency Ratio | 77.07% | 75.97% | 70.27% | 70.02% | 67.62% | 67.78% | 71.42% | 69.24% | -79 bps | |
| Non-Interest Burden | 2.64% | 2.58% | 2.35% | 2.37% | 2.25% | 2.26% | 2.38% | 2.29% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.76% | -0.29% | -1.01% | -0.59% | -0.52% | -2.67% | -1.53% | 11.03% | +1,162 bps | |
| Loan Growth (YoY) | -2.13% | -7.29% | -5.80% | -5.92% | -3.26% | -1.59% | -4.25% | 11.73% | +1,764 bps | |
| Deposit Growth (YoY) | -3.45% | -1.37% | -2.33% | -1.78% | -1.50% | -4.38% | -3.18% | 10.71% | +1,249 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.57% | 1.08% | 0.59% | 0.47% | 0.47% | 0.53% | 0.48% | 0.43% | -4 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 | 1.15% | 1.21% | 1.38% | 1.36% | 1.48% | 1.47% | 1.44% | 1.33% | -3 bps | |
| Allowance Coverage of NPLs | 2.0x | 1.1x | 2.3x | 2.9x | 3.2x | 2.8x | 3.0x | 3.1x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 20.37% | 20.46% | 20.93% | 21.28% | 21.35% | 21.75% | 22.20% | 23.18% | +190 bps | |
| Total Risk-Based Capital | 20.37% | 20.46% | 20.93% | 21.28% | 21.35% | 21.75% | 22.20% | 23.18% | +190 bps | |
| Equity / Assets | 20.36% | 20.25% | 20.83% | 21.15% | 21.22% | 21.63% | 22.12% | 21.34% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.62% | 89.53% | 94.10% | 94.19% | 92.93% | 92.14% | 93.06% | 95.05% | +86 bps | |
| Liquid Assets / Assets | 20.37% | 24.34% | 21.09% | 21.33% | 22.50% | 23.36% | 23.04% | 20.32% | -102 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 84.98% | 82.67% | 82.43% | n/a | n/a | |
Miamitown, OH · Cert 32293 · Peer group: banks under $1B in assets in the Cincinnati, OH-KY-IN area (n=15)
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
0.90%
Rank 6 of 15
Net Interest Margin
3.41%
Rank 5 of 15
Efficiency Ratio
69.24%
Rank 5 of 15
Equity / Assets
21.34%
Rank 3 of 15
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.90% | 0.35% | 0.56% | 1.05% | Beats 60% | 6 / 15 | ||
| Return on Equity | 4.24% | 1.73% | 4.99% | 6.76% | Beats 33% | 10 / 15 | ||
| Net Interest Margin | 3.41% | 2.85% | 3.21% | 3.42% | Beats 67% | 5 / 15 | ||
| Efficiency Ratio | 69.24% | 64.82% | 75.45% | 88.43% | Beats 73% | 5 / 15 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.43% | 0.12% | 0.43% | 1.30% | Beats 53% | 8 / 15 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.00% | Beats 100% | 8 / 15 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 23.18% | 13.11% | 14.76% | 20.06% | Beats 80% | 3 / 15 | ||
| Total Risk-Based Capital Ratio | 23.18% | 14.37% | 15.36% | 20.06% | Beats 80% | 3 / 15 | ||
| Equity / Assets | 21.34% | 10.14% | 11.33% | 20.42% | Beats 80% | 3 / 15 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 95.05% | 80.04% | 97.18% | 103.56% | 40th pctl | 9 / 15 | ||
| Loans / Assets | 73.65% | 68.16% | 75.18% | 82.63% | 40th pctl | 9 / 15 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||