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 (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 | 0.73% | -0.07% | -0.37% | -0.40% | 0.05% | -0.65% | -0.20% | -0.27% | +13 bps | |
| Return on Equity | 4.83% | -0.49% | -2.86% | -3.19% | 0.41% | -5.92% | -1.86% | -2.64% | +55 bps | |
| Net Interest Margin | 3.54% | 3.14% | 3.01% | 3.16% | 3.62% | 3.27% | 2.97% | 2.89% | -27 bps | |
| Efficiency Ratio | 74.47% | 81.70% | 108.15% | 100.50% | 87.81% | 77.59% | 100.37% | 94.17% | -633 bps | |
| Non-Interest Burden | 1.79% | 2.07% | 3.32% | 3.16% | 2.95% | 2.13% | 2.97% | 2.68% | -48 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% | 1.11% | 0.00% | 1.10% | 0.00% | 2.46% | 0.00% | 1.25% | +15 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 | |