Cleveland, OH · Cert 34057
FDIC
Q2 2026
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 | 31.43% | 30.10% | 29.61% | 29.96% | 24.64% | -678 bps | |
| Return on Equity | 33.67% | 32.18% | 31.83% | 32.66% | 26.74% | -693 bps | |
| Net Interest Margin | 2.36% | 2.15% | 2.02% | 2.04% | 2.07% | -29 bps | |
| Efficiency Ratio | 48.93% | 48.44% | 48.79% | 47.84% | 51.92% | +299 bps | |
| Non-Interest Burden | -36.60% | -33.51% | -31.98% | -36.64% | -29.45% | +715 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.95% | 10.77% | 19.39% | 19.63% | 13.23% | +428 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 94.32% | 92.71% | 80.08% | 90.21% | 91.77% | -256 bps | |
| Total Risk-Based Capital | 601% | 515% | 464% | 417% | 243% | -35,788 bps | |
| Equity / Assets | 93.09% | 94.12% | 90.98% | 92.40% | 92.94% | -14 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 50.38% | 47.04% | 50.49% | 47.20% | 44.99% | -540 bps | |
| CRE / Total Capital | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |