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 (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 | 0.88% | 0.90% | 0.87% | 0.95% | 0.96% | 1.02% | 1.11% | 1.21% | +26 bps | |
| Return on Equity | 9.34% | 9.47% | 8.71% | 9.52% | 9.48% | 9.95% | 10.28% | 11.14% | +162 bps | |
| Net Interest Margin | 3.39% | 3.39% | 3.41% | 3.46% | 3.51% | 3.55% | 3.83% | 3.92% | +45 bps | |
| Efficiency Ratio | 71.61% | 71.18% | 72.05% | 69.29% | 68.85% | 67.82% | 67.12% | 65.15% | -414 bps | |
| Non-Interest Burden | 2.20% | 2.18% | 2.24% | 2.17% | 2.18% | 2.17% | 2.32% | 2.29% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.58% | 3.17% | 2.59% | 3.84% | 6.00% | 5.03% | 3.06% | -0.48% | -432 bps | |
| Loan Growth (YoY) | 1.44% | 0.02% | -3.21% | -2.81% | -1.23% | 0.26% | 3.12% | 4.54% | +735 bps | |
| Deposit Growth (YoY) | -0.43% | 2.34% | 1.34% | 2.66% | 5.44% | 3.81% | 1.97% | -1.54% | -420 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.42% | 0.43% | 0.35% | 0.85% | 0.80% | 0.71% | 0.64% | 0.86% | +2 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.02% | 0.00% | -0.06% | 0.00% | 0.01% | 0.00% | 0.00% | +6 bps | |
| Allowance / Loans | 1.08% | 1.05% | 1.08% | 1.12% | 1.13% | 1.11% | 1.12% | 1.11% | -2 bps | |
| Allowance Coverage of NPLs | 2.6x | 2.5x | 3.1x | 1.3x | 1.4x | 1.6x | 1.8x | 1.3x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.92% | 7.89% | 7.98% | 7.89% | 8.14% | 8.17% | 8.52% | 8.61% | +72 bps | |
| Total Risk-Based Capital | 18.37% | 18.43% | 19.55% | 19.66% | 20.06% | 20.66% | 21.35% | 21.24% | +158 bps | |
| Equity / Assets | 10.23% | 9.83% | 10.08% | 10.11% | 10.62% | 10.69% | 10.86% | 11.03% | +92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.35% | 63.55% | 60.63% | 60.35% | 61.22% | 61.38% | 61.31% | 64.07% | +373 bps | |
| Liquid Assets / Assets | 7.93% | 8.50% | 12.34% | 12.46% | 11.63% | 10.03% | 10.42% | 7.37% | -509 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 116.66% | 108.27% | 114.17% | n/a | n/a | |