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Adelphi Bank

Columbus, OH · Cert 59292

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

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.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

67

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

36

Q2 2024Q2 2026peer median (50)

Liquidity

39

Q2 2024Q2 2026peer median

Efficiency

13

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Adelphi Bank

Columbus, OH · Cert 59292

State charter, non-member · FDIC · 1 branch

Q2 2026

$124.5MAssets
$98.5MLoans
$104.2MDeposits
$18.9MEquity
Loan mix
74%RE $69.9M22%C&I $20.5M4%Consumer $3.8MQ3 2024Q2 2026
Deposit mix
95%Interest-bearing $99.2M5%Noninterest $5.0MQ3 2024Q2 2026

Market Position · Columbus, OH · 2026 SOD (annual) · 0.1% share · #38 of 53 inst. · $0.1B of $124.6B

Executive Summary

  • Earnings: ROA of 0.13%, up 204 bps year over year; NIM at 4.46%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 15.82%, down 768 bps from a year ago.
  • Funding: loans stand at 94.47% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.13%+204 bps YoY

Net Interest Margin (YTD, annualized)

4.46%-38 bps YoY

Efficiency Ratio (YTD, annualized)

89.93%-3,368 bps YoY

Tier 1 Leverage Ratio

15.82%-768 bps YoY

NIM

6.17%Q2 ’246.37%Q2 ’256.33%Q2 ’26-10%-8%

Non-interest income vs. expense

8.27%Q2 ’246.12%Q2 ’254.11%Q2 ’26-27%-33%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-3.56%-3.08%-2.60%-1.91%-1.47%-1.21%0.15%0.13%+204 bps
Return on Equity-9.16%-8.49%-9.85%-7.79%-6.32%-5.53%0.92%0.79%+857 bps
Net Interest Margin5.06%4.63%4.98%4.84%4.45%4.44%4.60%4.46%-38 bps
Efficiency Ratio149.59%140.26%138.01%123.62%118.62%114.61%91.47%89.93%-3,368 bps
Non-Interest Burden7.61%6.52%6.92%6.01%5.30%5.10%4.20%4.00%-201 bps
Growth
Asset Growth (YoY)81.71%52.99%58.00%68.85%48.28%56.07%50.47%42.06%-2,679 bps
Loan Growth (YoY)194.40%213%153.24%113.81%92.35%68.66%54.15%44.66%-6,915 bps
Deposit Growth (YoY)221%111.07%102.07%120.12%74.60%80.87%69.27%54.75%-6,537 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.01%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.69%1.61%1.56%1.35%1.33%1.26%1.29%1.40%+5 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio34.46%29.93%25.98%23.51%20.59%19.62%16.52%15.82%-768 bps
Total Risk-Based Capital34.46%29.93%25.98%23.51%20.59%19.62%16.52%15.82%-768 bps
Equity / Assets31.14%28.55%24.51%21.56%20.08%17.68%16.06%15.15%-642 bps
Liquidity & Funding
Loans / Deposits91.90%108.70%106.45%101.06%101.25%101.37%96.95%94.47%-659 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/a268%337%371%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Adelphi Bank

Columbus, OH · Cert 59292 · Peer group: banks under $1B in assets (n=581-629)

State charter, non-member · FDIC · 1 branch

Q2 2026

$124.5MAssets
$98.5MLoans
$104.2MDeposits
$18.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
  • Widest gap: return on equity trails 91% of banks under $1B in assets (rank 572 of 629).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

0.12%

Rank 572 of 629

Net Interest Margin

4.46%

Rank 70 of 629

Efficiency Ratio

89.93%

Rank 550 of 629

Equity / Assets

15.15%

Rank 140 of 629

Non-interest income vs. expense

$0.1M$4.9MINCOMEEXPENSE
Unfavorable gap of $4.8M · efficiency ratio beats 13% of banks under $1B in assets
Bank 89.93%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.12%0.60%1.01%1.45%Beats 9%572 / 629
Return on Equity0.78%5.38%9.30%13.28%Beats 9%572 / 629
Net Interest Margin4.46%3.03%3.54%4.05%Beats 89%70 / 629
Efficiency Ratio89.93%58.35%67.79%79.08%Beats 13%550 / 629
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.46%1.20%Beats 100%81 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio15.82%11.24%13.84%18.77%Beats 64%227 / 629
Total Risk-Based Capital Ratio15.82%11.58%14.43%19.66%Beats 60%253 / 629
Equity / Assets15.15%9.09%10.65%13.80%Beats 78%140 / 629
Liquidity & Funding
Loans / Deposits94.47%67.24%80.90%93.48%77th pctl134 / 594
Loans / Assets79.10%53.31%67.71%78.15%79th pctl134 / 629
Brokered Deposits / Depositsn/aNot reported for this institution