Hartford, KY · Cert 8126 · Ohio Cnty Cmty Bancshares Inc.
State charter, non-member · FDIC · 3 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.61% | -0.52% | 0.10% | -0.50% | -0.29% | -0.62% | 0.24% | 0.14% | +64 bps | |
| Return on Equity | -5.76% | -4.58% | 0.86% | -4.16% | -2.28% | -4.64% | 1.79% | 1.07% | +523 bps | |
| Net Interest Margin | 1.18% | 1.25% | 1.42% | 1.47% | 1.62% | 1.94% | 2.06% | 2.18% | +71 bps | |
| Efficiency Ratio | 125.03% | 131.46% | 91.72% | 119.41% | 110.88% | 132.77% | 87.01% | 94.92% | -2,450 bps | |
| Non-Interest Burden | 1.67% | 1.82% | 1.20% | 1.91% | 1.89% | 2.54% | 1.68% | 2.03% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.79% | -1.09% | 1.14% | 1.53% | -3.77% | -1.45% | -0.65% | -0.06% | -159 bps | |
| Loan Growth (YoY) | 12.35% | 6.34% | 7.66% | 4.55% | 2.93% | 5.95% | 7.52% | 7.81% | +326 bps | |
| Deposit Growth (YoY) | -3.18% | -3.51% | -1.52% | -0.24% | 4.91% | 3.94% | 5.06% | 5.25% | +549 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.53% | 0.68% | 0.44% | 0.13% | 0.08% | 0.16% | 0.18% | 0.24% | +10 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.02% | 0.24% | 0.02% | -0.01% | -0.01% | 0.00% | 0.13% | +11 bps | |
| Allowance / Loans | 1.32% | 1.31% | 1.29% | 1.32% | 1.32% | 1.31% | 1.32% | 1.23% | -9 bps | |
| Allowance Coverage of NPLs | 2.5x | 1.9x | 2.9x | 9.9x | 15.6x | 8.0x | 7.4x | 5.2x | -4.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.91% | 14.80% | 14.68% | 14.58% | 15.07% | 14.47% | 14.86% | 14.71% | +13 bps | |
| Total Risk-Based Capital | 14.91% | 14.80% | 14.68% | 14.58% | 15.07% | 14.47% | 14.86% | 14.71% | +13 bps | |
| Equity / Assets | 11.32% | 11.15% | 11.67% | 12.14% | 13.18% | 13.71% | 13.26% | 13.24% | +110 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 40.88% | 39.63% | 39.16% | 40.20% | 40.10% | 40.40% | 40.07% | 41.18% | +98 bps | |
| Liquid Assets / Assets | 1.29% | 1.31% | 1.30% | 2.02% | 1.56% | 3.86% | 4.02% | 3.23% | +121 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 55.32% | 58.34% | 56.98% | n/a | n/a | |