De Graff, OH · Cert 32441 · MSB Capital Corp.
National charter · OCC · 6 branches
Q2 2026
Market Position · Columbus, OH · 2026 SOD (annual) · 0.2% share · #23 of 53 inst. · $0.3B of $124.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.84% | 0.82% | 2.14% | 0.63% | 1.13% | 0.05% | 2.20% | -0.47% | -109 bps | |
| Return on Equity | 14.06% | 6.13% | 15.44% | 4.44% | 8.19% | 0.34% | 16.08% | -3.42% | -786 bps | |
| Net Interest Margin | 4.55% | 4.22% | 4.15% | 4.38% | 4.43% | 4.39% | 4.09% | 4.10% | -28 bps | |
| Efficiency Ratio | 67.96% | 74.81% | 69.80% | 73.78% | 75.41% | 79.29% | 69.54% | 88.52% | +1,475 bps | |
| Non-Interest Burden | 0.96% | 1.45% | 0.66% | 1.63% | 1.64% | 2.41% | 0.42% | 2.91% | +128 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.96% | 2.87% | 0.32% | 1.02% | 2.42% | 3.34% | 6.53% | 6.08% | +506 bps | |
| Loan Growth (YoY) | -16.41% | 0.21% | 2.41% | 14.47% | 19.29% | 16.68% | 14.87% | 8.94% | -553 bps | |
| Deposit Growth (YoY) | 4.19% | 2.63% | -0.88% | 0.45% | 2.14% | 3.78% | 7.65% | 6.34% | +589 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.79% | 1.55% | 2.17% | 2.01% | 1.85% | 1.18% | 1.12% | 1.05% | -96 bps | |
| Net Charge-Offs / Loans | 1.68% | 1.98% | 0.96% | 2.27% | 1.66% | 1.98% | 1.62% | 2.79% | +51 bps | |
| Allowance / Loans | 2.56% | 2.72% | 2.60% | 2.52% | 2.47% | 2.68% | 2.45% | 2.31% | -21 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.8x | 1.2x | 1.3x | 1.3x | 2.3x | 2.2x | 2.2x | +0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.82% | 12.97% | 13.59% | 13.58% | 13.11% | 13.01% | 13.28% | 12.93% | -65 bps | |
| Total Risk-Based Capital | 21.19% | 20.82% | 20.71% | 21.39% | 20.61% | 20.44% | 20.25% | 19.68% | -171 bps | |
| Equity / Assets | 13.24% | 13.56% | 14.14% | 14.06% | 13.58% | 13.60% | 13.78% | 13.59% | -47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.99% | 75.63% | 81.18% | 86.09% | 86.42% | 85.02% | 86.63% | 88.19% | +211 bps | |
| Liquid Assets / Assets | 31.81% | 30.69% | 26.41% | 22.17% | 21.36% | 22.89% | 21.48% | 20.16% | -201 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 145.31% | 126.42% | 129.37% | n/a | n/a | |