Milford, OH · Cert 6662 · New Richmond Bcorp
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Cincinnati, OH-KY-IN · 2026 SOD (annual) · 0.2% share · #25 of 54 inst. · $0.3B 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 | 1.05% | 1.21% | 0.91% | 1.17% | 1.14% | 1.26% | 1.22% | 1.16% | -1 bps | |
| Return on Equity | 11.73% | 13.25% | 9.14% | 11.71% | 11.44% | 12.65% | 12.11% | 11.37% | -34 bps | |
| Net Interest Margin | 3.81% | 4.03% | 3.86% | 4.12% | 3.97% | 3.99% | 4.15% | 4.20% | +8 bps | |
| Efficiency Ratio | 73.30% | 69.94% | 74.90% | 69.75% | 70.70% | 68.71% | 70.13% | 72.13% | +238 bps | |
| Non-Interest Burden | 2.61% | 2.60% | 2.71% | 2.65% | 2.59% | 2.52% | 2.68% | 2.80% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.07% | -5.87% | -5.86% | 3.67% | 7.74% | 9.35% | 7.10% | 4.16% | +49 bps | |
| Loan Growth (YoY) | 20.39% | 13.04% | 8.09% | 5.65% | 6.35% | 6.60% | 9.84% | 8.08% | +243 bps | |
| Deposit Growth (YoY) | 8.20% | 10.08% | 9.36% | 19.34% | 16.17% | 12.99% | 13.10% | 0.94% | -1,841 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.27% | 0.25% | 0.17% | 0.16% | 0.15% | 0.16% | 0.14% | 0.12% | -4 bps | |
| Net Charge-Offs / Loans | -0.07% | -0.05% | 0.00% | 0.00% | 0.00% | -0.01% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.31% | 1.34% | 1.33% | 1.33% | 1.32% | 1.35% | 1.29% | 1.32% | -1 bps | |
| Allowance Coverage of NPLs | 4.9x | 5.5x | 7.9x | 8.4x | 8.8x | 8.7x | 9.1x | 10.9x | +2.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.88% | 10.01% | 10.28% | 10.49% | 10.32% | 9.92% | 10.32% | 10.69% | +20 bps | |
| Total Risk-Based Capital | 13.03% | 13.34% | 13.19% | 14.07% | 14.33% | 14.33% | 13.79% | 14.37% | +30 bps | |
| Equity / Assets | 9.72% | 9.94% | 9.98% | 10.13% | 9.93% | 9.93% | 10.21% | 10.58% | +45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.68% | 93.95% | 96.69% | 91.04% | 89.43% | 88.64% | 93.90% | 97.48% | +644 bps | |
| Liquid Assets / Assets | 0.63% | 0.64% | 0.69% | 1.93% | 5.43% | 6.08% | 1.56% | 0.80% | -113 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 611% | 620% | 649% | n/a | n/a | |