Minster, OH · Cert 763 · Minster Financial Corp.
State charter, Fed member · FED · 7 branches
Q2 2026
Market Position · Dayton-Kettering-Beavercreek, OH · 2026 SOD (annual) · 0.6% share · #16 of 26 inst. · $0.1B of $16.3B
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 | 1.24% | 1.31% | 1.43% | 1.48% | 1.52% | 1.54% | 1.55% | 1.62% | +14 bps | |
| Return on Equity | 16.59% | 17.71% | 19.71% | 19.76% | 19.73% | 19.66% | 18.62% | 19.04% | -72 bps | |
| Net Interest Margin | 2.94% | 2.96% | 3.27% | 3.35% | 3.27% | 3.26% | 3.50% | 3.56% | +21 bps | |
| Efficiency Ratio | 55.02% | 54.94% | 54.04% | 53.74% | 53.33% | 53.29% | 51.71% | 50.20% | -354 bps | |
| Non-Interest Burden | 1.29% | 1.31% | 1.45% | 1.47% | 1.41% | 1.40% | 1.44% | 1.41% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.62% | 4.85% | 8.37% | 5.34% | 8.82% | 5.88% | 4.61% | 4.93% | -41 bps | |
| Loan Growth (YoY) | 8.80% | 8.86% | 12.47% | 13.01% | 11.10% | 16.80% | 15.78% | 14.53% | +152 bps | |
| Deposit Growth (YoY) | 2.17% | 4.25% | 7.48% | 3.71% | 8.86% | 4.16% | 3.84% | 5.26% | +155 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.98% | 0.24% | 0.05% | 0.11% | 0.10% | 0.16% | 0.16% | 0.14% | +3 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.04% | -0.01% | 0.00% | 0.01% | 0.02% | 0.00% | 0.01% | +1 bps | |
| Allowance / Loans | 1.34% | 1.22% | 1.22% | 1.20% | 1.18% | 1.10% | 1.14% | 1.20% | 0 bps | |
| Allowance Coverage of NPLs | 1.4x | 5.1x | 22.4x | 10.6x | 11.8x | 6.7x | 7.3x | 8.5x | -2.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.87% | 9.31% | 9.26% | 9.73% | 9.71% | 9.31% | 9.80% | 10.08% | +35 bps | |
| Total Risk-Based Capital | 19.37% | 18.11% | 17.69% | 17.83% | 18.41% | 16.85% | 16.95% | 17.22% | -61 bps | |
| Equity / Assets | 8.28% | 7.14% | 7.32% | 7.97% | 8.31% | 8.29% | 8.35% | 8.89% | +92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 55.79% | 55.70% | 56.16% | 59.09% | 56.94% | 62.46% | 62.62% | 64.30% | +520 bps | |
| Liquid Assets / Assets | 12.98% | 14.11% | 14.41% | 11.54% | 13.57% | 8.88% | 8.87% | 9.54% | -200 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 259% | 300% | 295% | n/a | n/a | |