Wyoming, OH · Cert 34386 · SV Bcorp Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Cincinnati, OH-KY-IN area (n=15). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
89
Asset Quality
80
Profitability
86
Liquidity
0
Efficiency
100
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Wyoming, OH · Cert 34386 · SV Bcorp Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Cincinnati, OH-KY-IN · 2026 SOD (annual) · 0.0% share · #40 of 54 inst. · $0.1B of $187.5B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.96% | 2.82% | 2.76% | 2.45% | 2.63% | 2.59% | 2.08% | 2.28% | -17 bps | |
| Return on Equity | 8.33% | 7.91% | 7.97% | 7.07% | 7.66% | 7.58% | 6.07% | 6.65% | -42 bps | |
| Net Interest Margin | 5.41% | 5.29% | 5.16% | 5.14% | 5.33% | 5.33% | 5.37% | 5.48% | +35 bps | |
| Efficiency Ratio | 36.72% | 37.97% | 41.28% | 44.19% | 42.20% | 43.28% | 51.68% | 47.66% | +348 bps | |
| Non-Interest Burden | 1.93% | 1.96% | 1.44% | 1.92% | 2.01% | 2.13% | 2.74% | 2.56% | +64 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.64% | 12.70% | 18.05% | 7.62% | 7.41% | 12.07% | 1.28% | 4.33% | -329 bps | |
| Loan Growth (YoY) | 15.72% | 10.50% | 16.19% | 11.07% | 10.01% | 16.76% | 7.76% | 6.70% | -437 bps | |
| Deposit Growth (YoY) | 13.78% | 5.36% | 13.90% | 15.54% | 16.08% | 21.44% | 0.87% | -5.43% | -2,097 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.26% | 1.24% | 0.82% | 0.77% | 0.19% | 0.18% | 0.11% | 0.43% | -34 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.35% | 0.47% | 0.49% | 0.49% | 0.47% | 0.48% | 0.48% | 0.47% | -2 bps | |
| Allowance Coverage of NPLs | 0.2x | 0.4x | 0.6x | 0.6x | 2.5x | 2.7x | 4.3x | 1.1x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 35.24% | 34.78% | 35.79% | 34.69% | 33.82% | 33.73% | 34.76% | 34.07% | -62 bps | |
| Total Risk-Based Capital | 35.24% | 34.78% | 35.79% | 34.69% | 33.82% | 33.73% | 34.76% | 34.07% | -62 bps | |
| Equity / Assets | 34.08% | 35.67% | 33.61% | 34.74% | 33.46% | 33.64% | 34.83% | 34.35% | -39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 155.84% | 153.99% | 142.72% | 137.76% | 147.69% | 148.05% | 152.47% | 155.44% | +1,768 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 170.91% | 168.90% | 163.65% | n/a | n/a | |
Wyoming, OH · Cert 34386 · Peer group: banks under $1B in assets in the Cincinnati, OH-KY-IN area (n=15) · SV Bcorp Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
2.32%
Rank 1 of 15
Net Interest Margin
5.48%
Rank 1 of 15
Efficiency Ratio
47.66%
Rank 1 of 15
Equity / Assets
34.35%
Rank 1 of 15
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.32% | 0.35% | 0.56% | 1.05% | Beats 93% | 1 / 15 | ||
| Return on Equity | 6.76% | 1.73% | 4.99% | 6.76% | Beats 73% | 4 / 15 | ||
| Net Interest Margin | 5.48% | 2.85% | 3.21% | 3.42% | Beats 93% | 1 / 15 | ||
| Efficiency Ratio | 47.66% | 64.82% | 75.45% | 88.43% | Beats 100% | 1 / 15 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.43% | 0.12% | 0.43% | 1.30% | Beats 60% | 7 / 15 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.00% | Beats 100% | 8 / 15 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 34.07% | 13.11% | 14.76% | 20.06% | Beats 87% | 2 / 15 | ||
| Total Risk-Based Capital Ratio | 34.07% | 14.37% | 15.36% | 20.06% | Beats 87% | 2 / 15 | ||
| Equity / Assets | 34.35% | 10.14% | 11.33% | 20.42% | Beats 93% | 1 / 15 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 155.44% | 80.04% | 97.18% | 103.56% | 93rd pctl | 1 / 15 | ||
| Loans / Assets | 91.71% | 68.16% | 75.18% | 82.63% | 93rd pctl | 1 / 15 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||