West Salem, OH · Cert 8647 · Community Ind Bcorp Inc.
State charter, non-member · FDIC · 6 branches
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 | 0.75% | 0.91% | 0.81% | 0.99% | 1.07% | +32 bps | |
| Return on Equity | 12.86% | 14.98% | 12.97% | 14.57% | 15.39% | +252 bps | |
| Net Interest Margin | 3.87% | 3.90% | 3.87% | 4.07% | 4.15% | +27 bps | |
| Efficiency Ratio | 76.92% | 74.41% | 74.70% | 74.39% | 72.34% | -459 bps | |
| Non-Interest Burden | 2.82% | 2.72% | 2.72% | 2.86% | 2.79% | -3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.28% | -3.99% | 2.03% | 2.99% | 0.90% | -38 bps | |
| Loan Growth (YoY) | 0.92% | 1.96% | 6.83% | 7.33% | 5.23% | +431 bps | |
| Deposit Growth (YoY) | 6.50% | 0.35% | 0.87% | 2.18% | -3.75% | -1,025 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.10% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.14% | 0.07% | +7 bps | |
| Allowance / Loans | 1.00% | 1.01% | 1.13% | 1.08% | 1.13% | +13 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 11.4x | 679.0x | 1444.0x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.91% | 8.94% | 8.82% | 8.98% | 9.30% | +39 bps | |
| Total Risk-Based Capital | 13.82% | 13.99% | 14.05% | 13.96% | 13.97% | +14 bps | |
| Equity / Assets | 5.98% | 6.69% | 6.77% | 6.89% | 7.23% | +125 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 71.86% | 73.87% | 71.60% | 74.00% | 78.57% | +670 bps | |
| Liquid Assets / Assets | 2.61% | 1.87% | 3.31% | 3.25% | 1.77% | -85 bps | |
| CRE / Total Capital | n/a | 161.01% | 153.60% | 149.22% | n/a | n/a | |