Westfield Center, OH · Cert 57077
FDIC · 7 branches
Q3 2025
Market Position · Cleveland, OH · 2025 SOD (annual) · 0.8% share · #12 of 37 inst. · $1.0B of $128.3B
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.83% | 0.70% | 0.76% | 0.81% | 0.89% | 0.83% | 0.86% | 1.00% | +19 bps | |
| Return on Equity | 8.40% | 6.73% | 7.19% | 7.47% | 8.10% | 7.28% | 7.32% | 8.83% | +136 bps | |
| Net Interest Margin | 2.57% | 2.51% | 2.56% | 2.55% | 2.58% | 2.83% | 2.96% | 3.03% | +48 bps | |
| Efficiency Ratio | 65.29% | 68.35% | 66.59% | 64.75% | 64.10% | 65.16% | 65.40% | 62.68% | -207 bps | |
| Non-Interest Burden | 1.51% | 1.56% | 1.49% | 1.41% | 1.39% | 1.64% | 1.76% | 1.71% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.47% | 0.79% | -6.76% | 0.73% | -1.38% | 0.59% | 3.78% | 1.13% | +39 bps | |
| Loan Growth (YoY) | 0.85% | -1.15% | -3.34% | -2.26% | -1.98% | -1.07% | 2.45% | 3.39% | +565 bps | |
| Deposit Growth (YoY) | 6.48% | 10.10% | -0.42% | 3.07% | -0.11% | -0.64% | 3.29% | 2.44% | -63 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.32% | 0.33% | 0.25% | 0.19% | 0.10% | 0.10% | 0.24% | 0.24% | +4 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.05% | 0.16% | 0.19% | 0.14% | 0.12% | 0.03% | 0.03% | -16 bps | |
| Allowance / Loans | 1.17% | 1.18% | 1.17% | 1.19% | 1.19% | 1.19% | 1.22% | 1.22% | +3 bps | |
| Allowance Coverage of NPLs | 3.7x | 3.6x | 4.6x | 6.1x | 11.7x | 11.4x | 5.1x | 5.1x | -1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.03% | 10.88% | 11.49% | 11.53% | 11.79% | 11.81% | 12.28% | 10.17% | -135 bps | |
| Total Risk-Based Capital | 11.03% | 10.88% | 11.49% | 11.53% | 11.79% | 11.81% | 12.28% | 10.17% | -135 bps | |
| Equity / Assets | 10.38% | 10.34% | 11.19% | 11.53% | 11.42% | 11.49% | 12.19% | 10.42% | -111 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.89% | 83.17% | 90.13% | 85.75% | 88.20% | 82.82% | 89.41% | 86.55% | +79 bps | |
| Liquid Assets / Assets | 6.65% | 7.29% | 1.49% | 3.63% | 4.46% | 6.18% | 1.59% | 1.66% | -196 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 206% | n/a | n/a |