Columbus, OH · Cert 59292
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Columbus, OH · 2026 SOD (annual) · 0.1% share · #38 of 53 inst. · $0.1B 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 | -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 Margin | 5.06% | 4.63% | 4.98% | 4.84% | 4.45% | 4.44% | 4.60% | 4.46% | -38 bps | |
| Efficiency Ratio | 149.59% | 140.26% | 138.01% | 123.62% | 118.62% | 114.61% | 91.47% | 89.93% | -3,368 bps | |
| Non-Interest Burden | 7.61% | 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 / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.69% | 1.61% | 1.56% | 1.35% | 1.33% | 1.26% | 1.29% | 1.40% | +5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 34.46% | 29.93% | 25.98% | 23.51% | 20.59% | 19.62% | 16.52% | 15.82% | -768 bps | |
| Total Risk-Based Capital | 34.46% | 29.93% | 25.98% | 23.51% | 20.59% | 19.62% | 16.52% | 15.82% | -768 bps | |
| Equity / Assets | 31.14% | 28.55% | 24.51% | 21.56% | 20.08% | 17.68% | 16.06% | 15.15% | -642 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.90% | 108.70% | 106.45% | 101.06% | 101.25% | 101.37% | 96.95% | 94.47% | -659 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 268% | 337% | 371% | n/a | n/a | |