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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.70% | 0.75% | 0.82% | 0.93% | 0.97% | +28 bps | |
| Return on Equity | 3.36% | 3.59% | 3.90% | 4.24% | 4.49% | +113 bps | |
| Net Interest Margin | 3.46% | 3.45% | 3.45% | 3.40% | 3.41% | -5 bps | |
| Efficiency Ratio | 70.02% | 67.62% | 67.78% | 71.42% | 69.24% | -79 bps | |
| Non-Interest Burden | 2.37% | 2.25% | 2.26% | 2.38% | 2.29% | -7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.59% | -0.52% | -2.67% | -1.53% | 11.03% | +1,162 bps | |
| Loan Growth (YoY) | -5.92% | -3.26% | -1.59% | -4.25% | 11.73% | +1,764 bps | |
| Deposit Growth (YoY) | -1.78% | -1.50% | -4.38% | -3.18% | 10.71% | +1,249 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 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 bps | |
| Allowance / Loans | 1.36% | 1.48% | 1.47% | 1.44% | 1.33% | -3 bps | |
| Allowance Coverage of NPLs | 2.9x | 3.2x | 2.8x | 3.0x | 3.1x | +0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 21.28% | 21.35% | 21.75% | 22.20% | 23.18% | +190 bps | |
| Total Risk-Based Capital | 21.28% | 21.35% | 21.75% | 22.20% | 23.18% | +190 bps | |
| Equity / Assets | 21.15% | 21.22% | 21.63% | 22.12% | 21.34% | +19 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.19% | 92.93% | 92.14% | 93.06% | 95.05% | +86 bps | |
| Liquid Assets / Assets | 21.33% | 22.50% | 23.36% | 23.04% | 20.32% | -102 bps | |
| CRE / Total Capital | n/a | 84.98% | 82.67% | 82.43% | n/a | n/a | |