Bexley, OH · Cert 59144
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Columbus, OH · 2026 SOD (annual) · 0.3% share · #20 of 53 inst. · $0.4B of $124.6B
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 | 0.52% | 0.54% | 0.59% | 1.04% | 1.02% | +50 bps | |
| Return on Equity | 4.89% | 5.05% | 5.50% | 9.64% | 9.32% | +443 bps | |
| Net Interest Margin | 1.80% | 1.87% | 1.96% | 2.38% | 2.46% | +66 bps | |
| Efficiency Ratio | 65.42% | 63.26% | 59.70% | 55.00% | 52.42% | -1,300 bps | |
| Non-Interest Burden | 1.17% | 1.17% | 1.15% | 1.27% | 1.25% | +8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.32% | 3.02% | 5.22% | 5.64% | 5.27% | +295 bps | |
| Loan Growth (YoY) | 3.78% | 3.63% | 6.76% | 6.03% | 5.38% | +160 bps | |
| Deposit Growth (YoY) | 3.37% | 3.97% | 6.99% | 9.66% | 5.87% | +250 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.44% | 0.45% | 1.03% | +103 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.08% | 1.09% | 1.10% | 1.06% | 1.06% | -2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 2.5x | 2.4x | 1.0x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.99% | 10.98% | 10.99% | 11.23% | 11.69% | +70 bps | |
| Total Risk-Based Capital | 10.99% | 10.98% | 10.99% | 11.23% | 11.69% | +70 bps | |
| Equity / Assets | 10.79% | 10.67% | 10.67% | 10.97% | 11.23% | +44 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 106.50% | 102.88% | 104.87% | 105.27% | 106.01% | -49 bps | |
| Liquid Assets / Assets | 6.95% | 6.68% | 7.03% | 5.48% | 5.61% | -134 bps | |
| CRE / Total Capital | n/a | 552% | 562% | 543% | n/a | n/a | |