FDS Bank
Mason, OH · Cert 33831 · Peer group: banks under $1B in assets in the Cincinnati, OH-KY-IN area (n=17-18)
FDIC · 1 branch
Q3 2025
$70.1MAssets
$273KLoans
$7.0MDeposits
$18.4MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 100% of banks under $1B in assets in the Cincinnati, OH-KY-IN area (rank 1 of 18).
- Widest gap: net charge-offs / loans trails 94% of banks under $1B in assets in the Cincinnati, OH-KY-IN area (rank 17 of 17).
- Overall: at or above the peer median on 9 of 10 directional measures.
Return on Assets
671%
Rank 1 of 18
Net Interest Margin
4.06%
Rank 2 of 18
Efficiency Ratio
15.53%
Rank 1 of 18
Equity / Assets
26.26%
Rank 3 of 18
Non-interest income vs. expense
Favorable gap of $593.0M · efficiency ratio beats 100% of banks under $1B in assets in the Cincinnati, OH-KY-IN area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 671% | 0.37% | 0.75% | 1.03% | Beats 94% | 1 / 18 | | |
| Return on Equity | 2554% | 2.05% | 6.20% | 10.19% | Beats 94% | 1 / 18 | | |
| Net Interest Margin | 4.06% | 2.65% | 3.16% | 3.45% | Beats 89% | 2 / 18 | | |
| Efficiency Ratio | 15.53% | 67.42% | 75.29% | 85.88% | Beats 100% | 1 / 18 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.07% | 0.21% | 0.48% | Beats 100% | 3 / 17 | | |
| Net Charge-Offs / Loans | 0.40% | n/a | n/a | 0.01% | Beats 6% | 17 / 17 | | |
| Capital |
| Tier 1 Capital Ratio | 87.30% | 13.49% | 15.74% | 20.59% | Beats 94% | 1 / 18 | | |
| Total Risk-Based Capital Ratio | 87.32% | 14.33% | 15.74% | 21.35% | Beats 94% | 1 / 18 | | |
| Equity / Assets | 26.26% | 9.93% | 14.22% | 20.65% | Beats 83% | 3 / 18 | | |
| Liquidity & Funding |
| Loans / Deposits | 3.90% | 73.85% | 92.93% | 109.79% | 6th pctl | 17 / 18 | | |
| Loans / Assets | 0.39% | 70.06% | 76.30% | 80.06% | 0th pctl | 17 / 17 | | |
| Brokered Deposits / Deposits | 0.00% | n/a | 2.36% | 7.53% | Beats 100% | 8 / 18 | n/a | |