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 (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 | 3.17% | 2.32% | 2.76% | 2.10% | 3.03% | 2.44% | 2.08% | 2.49% | +39 bps | |
| Return on Equity | 9.15% | 6.65% | 7.97% | 6.14% | 8.90% | 7.27% | 6.07% | 7.19% | +106 bps | |
| Net Interest Margin | 5.92% | 5.50% | 5.16% | 5.19% | 6.22% | 5.75% | 5.37% | 5.52% | +33 bps | |
| Efficiency Ratio | 31.30% | 41.56% | 41.28% | 47.61% | 38.73% | 46.40% | 51.68% | 43.73% | -387 bps | |
| Non-Interest Burden | 1.81% | 2.24% | 1.44% | 2.42% | 2.37% | 2.64% | 2.74% | 2.34% | -8 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 | 0.00% | 0.00% | 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 | |