Lebanon, OH · Cert 6646
National charter · OCC · 8 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets in the Cincinnati, OH-KY-IN area (n=15). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
35
Asset Quality
30
Profitability
38
Liquidity
8
Efficiency
33
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.
Lebanon, OH · Cert 6646
National charter · OCC · 8 branches
Q2 2026
Market Position · Cincinnati, OH-KY-IN · 2026 SOD (annual) · 0.1% share · #29 of 54 inst. · $0.2B of $187.5B
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 | 0.46% | 0.31% | 0.15% | 0.48% | 0.51% | 0.52% | 0.09% | 0.45% | -3 bps | |
| Return on Equity | 6.93% | 4.61% | 1.95% | 6.31% | 6.47% | 6.45% | 1.05% | 5.06% | -125 bps | |
| Net Interest Margin | 2.06% | 2.11% | 2.36% | 2.61% | 2.66% | 2.64% | 2.71% | 2.89% | +28 bps | |
| Efficiency Ratio | 85.73% | 89.58% | 94.80% | 85.54% | 85.01% | 84.87% | 96.16% | 87.75% | +221 bps | |
| Non-Interest Burden | 1.45% | 1.68% | 2.16% | 1.96% | 1.97% | 1.96% | 2.56% | 2.32% | +36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.00% | -2.99% | -4.54% | -7.02% | -11.72% | -5.79% | -8.33% | -7.37% | -35 bps | |
| Loan Growth (YoY) | -4.73% | -4.74% | -9.29% | -11.88% | -11.27% | -10.79% | -13.01% | -10.93% | +95 bps | |
| Deposit Growth (YoY) | 0.87% | -0.81% | -5.32% | -8.02% | -11.66% | -7.21% | -5.84% | -4.95% | +307 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.19% | 0.24% | 0.34% | 0.37% | 0.36% | 0.61% | 0.52% | 0.74% | +36 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.03% | 0.09% | 0.05% | 0.04% | 0.05% | 0.06% | 0.05% | 0 bps | |
| Allowance / Loans | 1.01% | 1.04% | 1.04% | 1.10% | 1.12% | 1.14% | 1.20% | 1.21% | +11 bps | |
| Allowance Coverage of NPLs | 5.3x | 4.3x | 3.1x | 2.9x | 3.1x | 1.9x | 2.3x | 1.6x | -1.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.87% | 7.81% | 8.23% | 8.87% | 9.24% | 9.11% | 9.17% | 9.56% | +69 bps | |
| Total Risk-Based Capital | 12.87% | 13.14% | 13.44% | 14.18% | 14.74% | 15.05% | 15.35% | 15.96% | +179 bps | |
| Equity / Assets | 7.27% | 7.40% | 7.49% | 8.01% | 8.57% | 8.63% | 8.76% | 9.31% | +131 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.77% | 82.62% | 86.11% | 85.42% | 83.14% | 79.43% | 79.55% | 80.04% | -538 bps | |
| Liquid Assets / Assets | 12.09% | 10.55% | 10.13% | 8.81% | 9.41% | 12.10% | 12.53% | 13.52% | +471 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 250% | 231% | 223% | n/a | n/a | |
Lebanon, OH · Cert 6646 · Peer group: banks under $1B in assets in the Cincinnati, OH-KY-IN area (n=15)
National charter · OCC · 8 branches
Q2 2026
Return on Assets
0.46%
Rank 9 of 15
Net Interest Margin
2.89%
Rank 11 of 15
Efficiency Ratio
87.85%
Rank 11 of 15
Equity / Assets
9.31%
Rank 13 of 15
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.46% | 0.35% | 0.56% | 1.05% | Beats 40% | 9 / 15 | ||
| Return on Equity | 4.99% | 1.73% | 4.99% | 6.76% | Beats 47% | 8 / 15 | ||
| Net Interest Margin | 2.89% | 2.85% | 3.21% | 3.42% | Beats 27% | 11 / 15 | ||
| Efficiency Ratio | 87.85% | 64.82% | 75.45% | 88.43% | Beats 33% | 11 / 15 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.74% | 0.12% | 0.43% | 1.30% | Beats 47% | 9 / 15 | ||
| Net Charge-Offs / Loans | 0.09% | n/a | 0.00% | 0.00% | Beats 13% | 14 / 15 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.71% | 13.11% | 14.76% | 20.06% | Beats 40% | 9 / 15 | ||
| Total Risk-Based Capital Ratio | 15.96% | 14.37% | 15.36% | 20.06% | Beats 53% | 7 / 15 | ||
| Equity / Assets | 9.31% | 10.14% | 11.33% | 20.42% | Beats 13% | 13 / 15 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.04% | 80.04% | 97.18% | 103.56% | 20th pctl | 12 / 15 | ||
| Loans / Assets | 69.37% | 68.16% | 75.18% | 82.63% | 27th pctl | 11 / 15 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||