Mason, OH · Cert 33831
FDIC · 1 branch
Q3 2025
Market Position · Cincinnati, OH-KY-IN · 2025 SOD (annual) · 0.0% share · #52 of 54 inst. · $0.0B of $191.5B
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 380% | 299% | 325% | 329% | 357% | 417% | 463% | 503% | +17,440 bps | |
| Return on Equity | 1447% | 1056% | 1119% | 1159% | 1203% | 1306% | 1556% | 1729% | +56,960 bps | |
| Net Interest Margin | 4.25% | 4.11% | 4.34% | 5.23% | 5.06% | 2.69% | 3.72% | 4.06% | -117 bps | |
| Efficiency Ratio | 15.79% | 19.46% | 18.21% | 18.44% | 17.58% | 16.54% | 15.47% | 15.53% | -291 bps | |
| Non-Interest Burden | -524% | -473% | -460% | -543% | -571% | -558% | -884% | -964% | -42,012 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.37% | -10.64% | -3.03% | -27.30% | -12.58% | -9.26% | -17.98% | -31.20% | -390 bps | |
| Loan Growth (YoY) | 20.85% | 114.40% | 183.06% | -69.52% | -83.12% | -42.72% | -54.45% | -48.59% | +2,093 bps | |
| Deposit Growth (YoY) | 0.00% | 0.00% | 0.00% | 0.00% | -40.00% | -53.33% | -53.33% | -53.33% | -5,333 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.05% | 0.00% | 0.00% | 0.00% | 0.83% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.33% | 0.23% | 0.49% | +49 bps | |
| Allowance / Loans | 0.89% | 0.43% | 0.16% | 0.56% | 0.31% | 2.15% | 1.05% | 1.83% | +127 bps | |
| Allowance Coverage of NPLs | n/a | 9.0x | n/a | n/a | n/a | 2.6x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 33.22% | 31.26% | 31.41% | 30.95% | 46.32% | 27.08% | 31.63% | 29.94% | -102 bps | |
| Total Risk-Based Capital | 337% | 147.91% | 222% | 372% | 188.49% | 52.33% | 49.54% | 87.32% | -28,448 bps | |
| Equity / Assets | 28.12% | 28.62% | 30.66% | 26.02% | 34.39% | 28.82% | 24.34% | 26.26% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 7.65% | 14.09% | 12.59% | 3.54% | 2.15% | 17.30% | 12.29% | 3.90% | +36 bps | |
| Liquid Assets / Assets | 89.09% | 77.72% | 79.34% | 91.76% | 81.10% | 0.00% | 0.00% | 0.00% | -9,176 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 0.00% | n/a | n/a |