McConnelsville, OH · Cert 6637 · FNB Shares Inc.
National charter · OCC · 6 branches
Q2 2026
Market Position · Columbus, OH · 2026 SOD (annual) · 0.0% share · #48 of 53 inst. · $0.0B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.04% | 0.98% | 1.19% | 1.11% | 1.31% | +27 bps | |
| Return on Equity | 10.26% | 9.46% | 11.21% | 10.28% | 11.96% | +170 bps | |
| Net Interest Margin | 3.61% | 3.61% | 3.78% | 3.83% | 4.05% | +43 bps | |
| Efficiency Ratio | 66.76% | 68.01% | 64.94% | 67.12% | 63.30% | -346 bps | |
| Non-Interest Burden | 2.16% | 2.19% | 2.20% | 2.32% | 2.29% | +13 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.84% | 6.00% | 5.03% | 3.06% | -0.48% | -432 bps | |
| Loan Growth (YoY) | -2.81% | -1.23% | 0.26% | 3.12% | 4.54% | +735 bps | |
| Deposit Growth (YoY) | 2.66% | 5.44% | 3.81% | 1.97% | -1.54% | -420 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.85% | 0.80% | 0.71% | 0.64% | 0.86% | +2 bps | |
| Net Charge-Offs / Loans | -0.13% | 0.13% | 0.01% | 0.00% | 0.00% | +12 bps | |
| Allowance / Loans | 1.12% | 1.13% | 1.11% | 1.12% | 1.11% | -2 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.4x | 1.6x | 1.8x | 1.3x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 7.89% | 8.14% | 8.17% | 8.52% | 8.61% | +72 bps | |
| Total Risk-Based Capital | 19.66% | 20.06% | 20.66% | 21.35% | 21.24% | +158 bps | |
| Equity / Assets | 10.11% | 10.62% | 10.69% | 10.86% | 11.03% | +92 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 60.35% | 61.22% | 61.38% | 61.31% | 64.07% | +373 bps | |
| Liquid Assets / Assets | 12.46% | 11.63% | 10.03% | 10.42% | 7.37% | -509 bps | |
| CRE / Total Capital | n/a | 116.66% | 108.27% | 114.17% | n/a | n/a | |