Marietta, OH · Cert 35060 · Third Street Bancshares Inc.
State charter, Fed member · FED · 1 branch
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 | 1.84% | 2.22% | 2.16% | 1.59% | 1.83% | -1 bps | |
| Return on Equity | 11.47% | 13.77% | 13.29% | 9.72% | 11.27% | -21 bps | |
| Net Interest Margin | 4.41% | 4.51% | 4.43% | 4.32% | 4.34% | -8 bps | |
| Efficiency Ratio | 50.10% | 44.88% | 45.73% | 55.97% | 50.50% | +40 bps | |
| Non-Interest Burden | 2.08% | 1.64% | 1.71% | 2.30% | 2.05% | -3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.82% | 3.44% | 3.52% | 4.93% | 7.53% | +271 bps | |
| Loan Growth (YoY) | 10.82% | 8.98% | 12.05% | 14.29% | 9.90% | -92 bps | |
| Deposit Growth (YoY) | 4.52% | 2.81% | 2.62% | 4.64% | 7.76% | +324 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.22% | 0.13% | 0.13% | 0.15% | 0.18% | -5 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | 0.01% | 0.00% | 0.00% | -3 bps | |
| Allowance / Loans | 1.88% | 1.86% | 1.79% | 1.75% | 1.72% | -15 bps | |
| Allowance Coverage of NPLs | 8.4x | 14.0x | 14.3x | 11.9x | 9.8x | +1.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 16.23% | 16.70% | 16.48% | 16.46% | 16.19% | -5 bps | |
| Total Risk-Based Capital | 16.23% | 16.70% | 16.48% | 16.46% | 16.19% | -5 bps | |
| Equity / Assets | 16.29% | 16.54% | 16.52% | 16.15% | 16.09% | -20 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 76.94% | 76.39% | 78.66% | 78.16% | 78.46% | +153 bps | |
| Liquid Assets / Assets | 8.67% | 7.60% | 6.31% | 7.07% | 6.35% | -232 bps | |
| CRE / Total Capital | n/a | 39.92% | 47.52% | 47.31% | n/a | n/a | |