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Pataskala Banking Company, The

Pataskala, OH · Cert 9440

FDIC · 2 branches

Q3 2024

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q3 2024, the quarter ended September 30, 2024, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=553 to 600). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

50

Q2 2024Q3 2024peer median (50)

Asset Quality

32

Q2 2024Q3 2024peer median (50)

Profitability

46

Q2 2024Q3 2024peer median (50)

Liquidity

54

Q2 2024Q3 2024peer median

Efficiency

24

Q2 2024Q3 2024peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Pataskala Banking Company, The

Pataskala, OH · Cert 9440

FDIC · 2 branches

Q3 2024

$39.3MAssets
$23.9MLoans
$36.5MDeposits
$2.8MEquity
Loan mix
92%RE $21.7M4%C&I $0.9M4%Consumer $1.0MQ3 2023Q3 2024
Deposit mix
65%Interest-bearing $23.8M35%Noninterest $12.7MQ3 2023Q3 2024

NIM

3.10%Q3 ’223.66%Q3 ’234.25%Q3 ’24+16%+8%

Non-interest income vs. expense

3.45%Q3 ’223.64%Q3 ’233.74%Q3 ’24+69%+56%

Market Position · Columbus, OH · 2024 SOD (annual) · 0.0% share · #43 of 54 inst. · $0.0B of $105.0B

Executive Summary

  • Earnings: ROA of 0.45%, down 83 bps year over year; NIM at 3.87%.
  • Asset quality: problem loans at 1.50% of loans (+38 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 9.38%, up 37 bps from a year ago.
  • Funding: loans stand at 65.40% of deposits as of Q3 2024.

Financial Results

Return on Assets (YTD, annualized)

0.45%-83 bps YoY

Net Interest Margin (YTD, annualized)

3.87%+29 bps YoY

Efficiency Ratio (YTD, annualized)

84.38%+1,411 bps YoY

Tier 1 Leverage Ratio

9.38%+37 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2023Q4 2023Q1 2024Q2 2024Q3 2024YoY ΔTrend
Earnings
Return on Assets1.28%1.03%0.32%0.45%0.45%-83 bps
Return on Equity27.17%20.37%5.09%7.27%7.00%-2,016 bps
Net Interest Margin3.57%3.77%3.53%3.70%3.87%+29 bps
Efficiency Ratio70.27%74.32%90.27%85.30%84.38%+1,411 bps
Non-Interest Burden2.03%2.44%3.13%3.07%3.17%+114 bps
Growth
Asset Growth (YoY)-4.18%-2.89%-0.04%0.36%-1.96%+222 bps
Loan Growth (YoY)-1.91%-4.26%1.59%6.49%6.40%+831 bps
Deposit Growth (YoY)-5.50%-4.94%-1.31%-0.28%-4.29%+120 bps
Asset Quality
Nonperforming Loans / Loans1.13%1.03%1.12%1.56%1.50%+38 bps
Net Charge-Offs / Loans0.02%0.04%0.03%0.03%0.02%0 bps
Allowance / Loans0.75%0.75%0.75%0.76%0.77%+2 bps
Allowance Coverage of NPLs0.7x0.7x0.7x0.5x0.5x-0.2x
Capital
Tier 1 Leverage Ratio9.02%9.54%9.36%9.24%9.38%+37 bps
Total Risk-Based Capital16.34%17.32%16.90%16.77%17.39%+106 bps
Equity / Assets4.84%6.37%6.06%6.14%7.09%+225 bps
Liquidity & Funding
Loans / Deposits58.83%62.84%61.62%61.90%65.40%+657 bps
Liquid Assets / Assets6.39%3.41%3.29%3.91%3.38%-300 bps
CRE / Total Capitaln/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Pataskala Banking Company, The

Pataskala, OH · Cert 9440 · Peer group: banks under $1B in assets (n=553-600)

FDIC · 2 branches

Q3 2024

$39.3MAssets
$23.9MLoans
$36.5MDeposits
$2.8MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 78% of banks under $1B in assets (rank 130 of 599).
  • Widest gap: equity / assets trails 90% of banks under $1B in assets (rank 540 of 599).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.45%

Rank 454 of 600

Net Interest Margin

3.87%

Rank 130 of 599

Efficiency Ratio

84.38%

Rank 457 of 599

Equity / Assets

7.09%

Rank 540 of 599

Non-interest income vs. expense

$0.2M$1.5MINCOMEEXPENSE
Unfavorable gap of $1.3M · efficiency ratio beats 24% of banks under $1B in assets
Bank 84.38%Peer median 71.8%Q2 2024Q3 2024Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.45%0.46%0.79%1.24%Beats 24%454 / 600
Return on Equity6.36%4.80%8.06%11.58%Beats 36%381 / 599
Net Interest Margin3.87%2.69%3.18%3.78%Beats 78%130 / 599
Efficiency Ratio84.38%60.70%71.81%83.57%Beats 24%457 / 599
Asset Quality
Nonperforming Loans / Loans1.50%0.07%0.33%0.86%Beats 14%476 / 553
Net Charge-Offs / Loans0.02%0.00%0.02%0.08%Beats 49%281 / 553
Capital
Tier 1 Capital Ratio16.58%11.16%13.46%17.80%Beats 70%178 / 599
Total Risk-Based Capital Ratio17.39%11.63%14.22%18.75%Beats 70%177 / 599
Equity / Assets7.09%8.41%10.03%12.90%Beats 10%540 / 599
Liquidity & Funding
Loans / Deposits65.40%64.78%79.25%91.89%27th pctl413 / 562
Loans / Assets60.75%56.05%67.49%76.84%35th pctl360 / 553
Brokered Deposits / Depositsn/aNot reported for this institution