Hillsboro, OH · Cert 32612 · National Consumer Coop Bank
National charter · OCC · 1 branch
Q2 2026
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 | 0.92% | 0.42% | 1.16% | 0.77% | 1.15% | 1.69% | 1.39% | 1.37% | +60 bps | |
| Return on Equity | 8.69% | 4.01% | 10.94% | 7.35% | 10.72% | 15.36% | 12.50% | 12.31% | +496 bps | |
| Net Interest Margin | 2.84% | 3.05% | 3.07% | 3.24% | 3.34% | 3.45% | 3.37% | 3.42% | +19 bps | |
| Efficiency Ratio | 75.85% | 82.28% | 70.71% | 73.38% | 69.97% | 65.49% | 66.29% | 66.14% | -724 bps | |
| Non-Interest Burden | 1.79% | 2.37% | 1.81% | 2.11% | 2.01% | 1.79% | 1.85% | 1.75% | -36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.03% | 9.27% | 4.90% | 9.47% | 2.50% | 8.71% | 6.01% | 7.25% | -222 bps | |
| Loan Growth (YoY) | 11.35% | 7.26% | 12.50% | 12.98% | 3.16% | 6.10% | 4.39% | 8.33% | -465 bps | |
| Deposit Growth (YoY) | 16.53% | 14.52% | 9.96% | 15.78% | 7.08% | 9.43% | 5.45% | 2.77% | -1,302 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.42% | 1.80% | 1.58% | 2.07% | 2.03% | 2.27% | 2.50% | 2.67% | +60 bps | |
| Net Charge-Offs / Loans | 0.29% | 0.02% | 0.01% | 0.00% | 0.01% | 0.01% | 0.01% | 0.03% | +3 bps | |
| Allowance / Loans | 0.81% | 0.89% | 0.86% | 0.91% | 0.94% | 0.90% | 0.88% | 0.87% | -5 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.5x | 0.5x | 0.4x | 0.5x | 0.4x | 0.4x | 0.3x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.60% | 10.48% | 10.68% | 10.59% | 10.75% | 10.92% | 11.16% | 11.28% | +69 bps | |
| Total Risk-Based Capital | 13.31% | 14.31% | 14.44% | 14.30% | 14.74% | 15.42% | 15.66% | 14.99% | +69 bps | |
| Equity / Assets | 10.39% | 10.66% | 10.58% | 10.42% | 11.00% | 10.99% | 11.18% | 11.04% | +61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.19% | 93.68% | 91.65% | 91.38% | 94.60% | 90.83% | 90.73% | 96.32% | +495 bps | |
| Liquid Assets / Assets | 6.51% | 5.59% | 6.47% | 6.95% | 4.13% | 7.13% | 8.05% | 6.59% | -36 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 282% | 268% | 258% | n/a | n/a | |