Dublin, OH · Cert 59199
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Columbus, OH · 2026 SOD (annual) · 0.2% share · #28 of 53 inst. · $0.2B of $124.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.11% | 0.22% | 0.30% | 0.30% | 0.35% | 0.99% | 0.43% | 0.24% | -6 bps | |
| Return on Equity | 0.94% | 2.13% | 2.96% | 3.05% | 3.54% | 10.24% | 4.61% | 2.66% | -40 bps | |
| Net Interest Margin | 2.07% | 2.26% | 2.26% | 2.47% | 2.89% | 3.04% | 2.91% | 3.05% | +58 bps | |
| Efficiency Ratio | 91.99% | 86.68% | 80.20% | 81.79% | 75.00% | 63.28% | 72.08% | 89.03% | +724 bps | |
| Non-Interest Burden | 1.88% | 1.83% | 1.75% | 2.00% | 2.15% | 1.64% | 2.07% | 2.71% | +71 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 36.71% | 19.09% | 36.78% | 27.99% | 11.26% | 18.09% | 14.55% | 14.10% | -1,388 bps | |
| Loan Growth (YoY) | 21.87% | 21.28% | 18.81% | 19.70% | 29.32% | 23.94% | 27.10% | 20.67% | +97 bps | |
| Deposit Growth (YoY) | 44.00% | 22.20% | 45.71% | 32.38% | 12.53% | 19.67% | 15.66% | 15.43% | -1,695 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.17% | 0.38% | 0.38% | +38 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.04% | 0.00% | 0.00% | 0.00% | 0.00% | 0.41% | 0.00% | 0 bps | |
| Allowance / Loans | 0.88% | 0.83% | 0.84% | 0.84% | 0.84% | 0.84% | 0.76% | 0.78% | -6 bps | |
| Allowance Coverage of NPLs | 72.8x | n/a | n/a | n/a | n/a | 5.0x | 2.0x | 2.0x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.37% | 10.67% | 10.26% | 9.88% | 10.13% | 9.91% | 9.34% | 9.14% | -74 bps | |
| Total Risk-Based Capital | 11.37% | 10.67% | 10.26% | 9.88% | 10.13% | 9.91% | 9.34% | 9.14% | -74 bps | |
| Equity / Assets | 10.79% | 10.34% | 9.78% | 9.92% | 10.06% | 9.37% | 9.12% | 9.22% | -69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.15% | 94.38% | 90.64% | 93.90% | 103.60% | 97.75% | 99.61% | 98.17% | +427 bps | |
| Liquid Assets / Assets | 17.42% | 12.93% | 15.89% | 13.33% | 5.19% | 10.07% | 8.20% | 9.53% | -380 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 601% | 605% | 650% | n/a | n/a | |