Sycamore, OH · Cert 6706 · FNB Bancshares Inc.
National charter · OCC · 4 branches
Q2 2026
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 | 1.03% | 1.10% | 1.09% | 1.16% | 1.26% | +23 bps | |
| Return on Equity | 14.86% | 14.88% | 13.45% | 13.79% | 14.53% | -33 bps | |
| Net Interest Margin | 3.07% | 3.12% | 3.30% | 3.36% | 3.40% | +33 bps | |
| Efficiency Ratio | 60.90% | 59.55% | 57.64% | 56.29% | 57.56% | -335 bps | |
| Non-Interest Burden | 1.78% | 1.74% | 1.80% | 1.78% | 1.85% | +8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.73% | 5.47% | 4.51% | 0.67% | 2.47% | -626 bps | |
| Loan Growth (YoY) | 8.33% | 8.49% | 11.75% | 13.81% | 13.29% | +496 bps | |
| Deposit Growth (YoY) | 9.81% | 7.48% | 3.58% | -1.05% | 0.36% | -944 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.06% | 0.03% | 0.05% | 0.06% | +6 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.05% | 1.04% | 1.06% | 1.05% | 1.04% | -2 bps | |
| Allowance Coverage of NPLs | n/a | 18.6x | 30.7x | 20.4x | 17.3x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.10% | 9.36% | 9.43% | 9.85% | 9.96% | +85 bps | |
| Total Risk-Based Capital | 16.34% | 16.40% | 16.28% | 16.43% | 16.63% | +29 bps | |
| Equity / Assets | 6.92% | 7.85% | 8.35% | 8.52% | 8.86% | +194 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 65.39% | 66.58% | 71.42% | 71.08% | 73.82% | +842 bps | |
| Liquid Assets / Assets | 3.02% | 1.44% | 1.26% | 4.13% | 3.79% | +78 bps | |
| CRE / Total Capital | n/a | 215% | 231% | 233% | n/a | n/a | |