West Union, OH · Cert 6728
National charter · OCC · 1 branch
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.78% | 1.82% | 1.77% | 1.66% | 1.68% | -11 bps | |
| Return on Equity | 16.24% | 16.49% | 15.94% | 14.85% | 15.15% | -109 bps | |
| Net Interest Margin | 3.75% | 3.85% | 3.88% | 3.90% | 3.87% | +13 bps | |
| Efficiency Ratio | 45.94% | 44.53% | 46.70% | 48.88% | 46.53% | +59 bps | |
| Non-Interest Burden | 1.52% | 1.54% | 1.65% | 1.78% | 1.67% | +14 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.56% | 1.73% | -1.13% | 6.40% | 3.57% | +101 bps | |
| Loan Growth (YoY) | 13.95% | 9.13% | 7.15% | 13.05% | 12.56% | -138 bps | |
| Deposit Growth (YoY) | 1.92% | 1.31% | -1.78% | 6.72% | 3.60% | +168 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.08% | 2.61% | 2.35% | 2.16% | 2.10% | +2 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.41% | 1.40% | 1.38% | 1.28% | 1.35% | -5 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.5x | 0.6x | 0.6x | 0.6x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.73% | 11.47% | 11.06% | 11.51% | 10.82% | +9 bps | |
| Total Risk-Based Capital | 10.73% | 11.47% | 11.06% | 11.51% | 10.82% | +9 bps | |
| Equity / Assets | 10.85% | 11.33% | 11.22% | 11.13% | 10.85% | 0 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 55.93% | 55.44% | 57.75% | 58.87% | 60.77% | +484 bps | |
| Liquid Assets / Assets | 40.69% | 40.45% | 42.08% | 39.81% | 37.52% | -317 bps | |
| CRE / Total Capital | n/a | 82.46% | 92.72% | 94.88% | n/a | n/a | |