Ohio State Bank
Bexley, OH · Cert 59144 · Peer group: banks under $1B in assets (n=581-629)
State charter, non-member · FDIC · 2 branches
Q2 2026
$484.0MAssets
$429.7MLoans
$405.4MDeposits
$54.3MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
- Widest gap: net interest margin trails 91% of banks under $1B in assets (rank 573 of 629).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.02%
Rank 310 of 629
Net Interest Margin
2.46%
Rank 573 of 629
Efficiency Ratio
52.42%
Rank 89 of 629
Equity / Assets
11.23%
Rank 270 of 629
Non-interest income vs. expense
Unfavorable gap of $5.8M · efficiency ratio beats 86% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.02% | 0.60% | 1.01% | 1.45% | Beats 51% | 310 / 629 | |
| Return on Equity | 9.07% | 5.38% | 9.30% | 13.28% | Beats 48% | 329 / 629 | |
| Net Interest Margin | 2.46% | 3.03% | 3.54% | 4.05% | Beats 9% | 573 / 629 | |
| Efficiency Ratio | 52.42% | 58.35% | 67.79% | 79.08% | Beats 86% | 89 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.02% | 0.09% | 0.46% | 1.20% | Beats 29% | 411 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 11.69% | 11.24% | 13.84% | 18.77% | Beats 30% | 440 / 629 | |
| Total Risk-Based Capital Ratio | 11.69% | 11.58% | 14.43% | 19.66% | Beats 26% | 467 / 629 | |
| Equity / Assets | 11.23% | 9.09% | 10.65% | 13.80% | Beats 57% | 270 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 106.01% | 67.24% | 80.90% | 93.48% | 92nd pctl | 45 / 594 | |
| Loans / Assets | 88.79% | 53.31% | 67.71% | 78.15% | 98th pctl | 13 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |