Milford, OH · Cert 35117
FDIC · 3 branches
Q1 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2025, the quarter ended March 31, 2025, 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=18 to 19). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
21
Asset Quality
70
Profitability
77
Liquidity
44
Efficiency
89
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.
Milford, OH · Cert 35117
FDIC · 3 branches
Q1 2025
Market Position · Cincinnati, OH-KY-IN · 2024 SOD (annual) · 0.1% share · #24 of 57 inst. · $0.3B of $179.8B
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 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02% | 0.99% | 0.94% | 0.60% | 0.64% | 0.76% | 0.91% | 0.93% | +33 bps | |
| Return on Equity | 9.44% | 9.21% | 8.75% | 5.59% | 6.09% | 7.27% | 8.67% | 8.72% | +313 bps | |
| Net Interest Margin | 3.35% | 3.15% | 3.03% | 2.76% | 2.80% | 2.81% | 2.99% | 3.48% | +71 bps | |
| Efficiency Ratio | 66.33% | 66.77% | 67.30% | 73.75% | 72.73% | 69.12% | 65.53% | 65.89% | -786 bps | |
| Non-Interest Burden | 2.05% | 1.95% | 1.88% | 1.93% | 1.93% | 1.82% | 1.82% | 2.18% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.52% | 14.89% | 7.34% | 9.14% | 11.14% | 14.75% | 10.16% | 7.26% | -187 bps | |
| Loan Growth (YoY) | 13.89% | 15.52% | 12.90% | 14.78% | 13.60% | 11.85% | 12.41% | 8.53% | -625 bps | |
| Deposit Growth (YoY) | 4.81% | 27.32% | 20.06% | 18.59% | 13.79% | 11.97% | 10.86% | 11.46% | -713 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.16% | 0.04% | 0.02% | 0.32% | 0.00% | 0.22% | 0.52% | 0.52% | +20 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 | 1.32% | 1.27% | 1.26% | 1.23% | 1.22% | 1.21% | 1.20% | 1.23% | 0 bps | |
| Allowance Coverage of NPLs | 8.4x | 33.9x | 68.2x | 3.9x | n/a | 5.5x | 2.3x | 2.4x | -1.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.40% | 12.08% | 11.69% | 11.63% | 11.43% | 11.11% | 11.36% | 11.58% | -6 bps | |
| Total Risk-Based Capital | 12.40% | 12.08% | 11.69% | 11.63% | 11.43% | 11.11% | 11.36% | 11.58% | -6 bps | |
| Equity / Assets | 11.02% | 10.59% | 10.70% | 10.59% | 10.45% | 10.26% | 10.55% | 10.78% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 114.24% | 102.58% | 105.76% | 112.19% | 114.05% | 102.47% | 107.24% | 109.24% | -295 bps | |
| Liquid Assets / Assets | 0.33% | 0.29% | 0.27% | 0.22% | 0.28% | 0.34% | 0.26% | 0.09% | -13 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
Milford, OH · Cert 35117 · Peer group: banks under $1B in assets in the Cincinnati, OH-KY-IN area (n=18-19)
FDIC · 3 branches
Q1 2025
Return on Assets
0.93%
Rank 4 of 19
Net Interest Margin
3.48%
Rank 3 of 19
Efficiency Ratio
65.89%
Rank 3 of 19
Equity / Assets
10.78%
Rank 12 of 19
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.93% | 0.15% | 0.58% | 0.90% | Beats 79% | 4 / 19 | ||
| Return on Equity | 8.66% | 1.15% | 5.65% | 9.03% | Beats 68% | 6 / 19 | ||
| Net Interest Margin | 3.48% | 2.48% | 3.07% | 3.40% | Beats 84% | 3 / 19 | ||
| Efficiency Ratio | 65.89% | 67.71% | 75.01% | 94.80% | Beats 89% | 3 / 19 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.52% | 0.00% | 0.34% | 0.59% | Beats 39% | 12 / 18 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | n/a | 0.00% | Beats 100% | 12 / 18 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.58% | 11.94% | 15.05% | 20.44% | Beats 16% | 16 / 19 | ||
| Total Risk-Based Capital Ratio | 11.58% | 13.19% | 15.89% | 20.44% | Beats 11% | 17 / 19 | ||
| Equity / Assets | 10.78% | 9.34% | 11.90% | 20.48% | Beats 37% | 12 / 19 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 109.24% | 69.78% | 96.69% | 113.33% | 68th pctl | 6 / 19 | ||
| Loans / Assets | 89.73% | 69.17% | 80.24% | 84.21% | 94th pctl | 1 / 18 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||