Worthington, OH · Cert 59249
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, 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 operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
18
Asset Quality
12
Profitability
7
Liquidity
66
Efficiency
3
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.
Worthington, OH · Cert 59249
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Columbus, OH · 2026 SOD (annual) · 0.2% share · #29 of 53 inst. · $0.2B 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 0.35% | -0.37% | -0.39% | -0.23% | -0.35% | -0.20% | -0.23% | +15 bps | |
| Return on Equity | 3.25% | 2.29% | -2.86% | -3.02% | -1.87% | -2.89% | -1.86% | -2.25% | +77 bps | |
| Net Interest Margin | 3.00% | 2.77% | 3.01% | 2.99% | 3.09% | 2.97% | 2.97% | 2.89% | -10 bps | |
| Efficiency Ratio | 80.41% | 80.77% | 108.15% | 104.11% | 97.33% | 91.46% | 100.37% | 97.32% | -679 bps | |
| Non-Interest Burden | 1.86% | 1.75% | 3.32% | 3.14% | 2.96% | 2.59% | 2.97% | 2.78% | -35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 39.77% | 30.30% | 41.50% | 32.09% | 30.14% | 29.40% | 18.76% | 23.35% | -873 bps | |
| Loan Growth (YoY) | 51.01% | 37.15% | 35.56% | 30.67% | 30.79% | 24.39% | 21.69% | 15.49% | -1,518 bps | |
| Deposit Growth (YoY) | 48.60% | 35.45% | 50.34% | 38.39% | 35.84% | 34.47% | 21.20% | 27.16% | -1,123 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.14% | 0.00% | 0.16% | 0.25% | 0.79% | 1.48% | +148 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.28% | 0.00% | 0.55% | 0.34% | 0.86% | 0.00% | 0.63% | +7 bps | |
| Allowance / Loans | 1.39% | 1.36% | 1.35% | 1.15% | 1.22% | 1.17% | 1.22% | 1.08% | -7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 9.9x | n/a | 7.5x | 4.7x | 1.5x | 0.7x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.69% | 13.06% | 12.81% | 11.98% | 11.46% | 10.63% | 10.21% | 9.86% | -211 bps | |
| Total Risk-Based Capital | 14.69% | 13.06% | 12.81% | 11.98% | 11.46% | 10.63% | 10.21% | 9.86% | -211 bps | |
| Equity / Assets | 14.66% | 13.34% | 12.64% | 12.42% | 11.58% | 10.46% | 10.69% | 10.02% | -239 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.00% | 93.91% | 91.86% | 94.45% | 94.35% | 86.87% | 92.23% | 85.78% | -867 bps | |
| Liquid Assets / Assets | 3.50% | 1.69% | 2.59% | 2.61% | 3.75% | 2.26% | 2.56% | 6.81% | +420 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 407% | 420% | 417% | n/a | n/a | |
Worthington, OH · Cert 59249 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
-0.23%
Rank 725 of 746
Net Interest Margin
2.89%
Rank 638 of 746
Efficiency Ratio
97.32%
Rank 721 of 746
Equity / Assets
10.02%
Rank 425 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.23% | 0.72% | 1.06% | 1.45% | Beats 3% | 725 / 746 | ||
| Return on Equity | -2.26% | 6.74% | 10.51% | 13.63% | Beats 3% | 726 / 746 | ||
| Net Interest Margin | 2.89% | 3.17% | 3.68% | 4.16% | Beats 14% | 638 / 746 | ||
| Efficiency Ratio | 97.32% | 55.74% | 64.58% | 75.47% | Beats 3% | 721 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.48% | 0.09% | 0.42% | 1.07% | Beats 17% | 616 / 743 | ||
| Net Charge-Offs / Loans | 0.31% | 0.00% | 0.01% | 0.05% | Beats 6% | 703 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.86% | 11.55% | 13.75% | 17.60% | Beats 6% | 703 / 746 | ||
| Total Risk-Based Capital Ratio | 9.86% | 11.71% | 14.33% | 18.43% | Beats 5% | 705 / 746 | ||
| Equity / Assets | 10.02% | 8.90% | 10.51% | 13.06% | Beats 43% | 425 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 85.78% | 61.31% | 78.27% | 90.78% | 66th pctl | 256 / 746 | ||
| Loans / Assets | 76.41% | 53.60% | 66.97% | 76.08% | 76th pctl | 180 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||