Tiffin, OH · Cert 9450 · Tonti Financial Corp.
State charter, non-member · FDIC · 5 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 | 2.20% | 1.88% | 1.89% | 1.77% | 1.82% | 2.79% | 1.86% | 2.06% | +30 bps | |
| Return on Equity | 7.59% | 6.16% | 5.91% | 5.36% | 5.51% | 8.58% | 5.54% | 5.85% | +49 bps | |
| Net Interest Margin | 5.15% | 5.51% | 5.58% | 5.51% | 5.51% | 5.42% | 5.26% | 5.26% | -25 bps | |
| Efficiency Ratio | 37.67% | 38.60% | 36.66% | 38.62% | 40.18% | 39.01% | 43.49% | 42.64% | +402 bps | |
| Non-Interest Burden | 1.46% | 2.02% | 1.92% | 2.00% | 2.08% | 1.97% | 2.16% | 2.11% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.96% | -7.35% | -7.32% | -9.89% | -4.99% | 2.77% | -1.35% | -1.18% | +871 bps | |
| Loan Growth (YoY) | -2.38% | -7.37% | -11.36% | -12.96% | -13.32% | -12.88% | -12.50% | -12.03% | +93 bps | |
| Deposit Growth (YoY) | 0.37% | -12.34% | -12.44% | -16.16% | -8.92% | 1.49% | -4.49% | -4.69% | +1,146 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.36% | 0.46% | 0.34% | 0.24% | 0.20% | 0.28% | 0.27% | 0.26% | +2 bps | |
| Net Charge-Offs / Loans | 1.58% | 1.42% | 1.44% | 1.27% | 1.38% | 1.14% | 1.64% | 1.27% | 0 bps | |
| Allowance / Loans | 2.48% | 2.64% | 2.83% | 3.00% | 3.15% | 3.04% | 3.06% | 3.03% | +3 bps | |
| Allowance Coverage of NPLs | 6.8x | 5.7x | 8.3x | 12.3x | 15.5x | 10.8x | 11.2x | 11.7x | -0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 29.43% | 30.52% | 32.62% | 33.47% | 33.28% | 32.53% | 33.77% | 35.51% | +205 bps | |
| Total Risk-Based Capital | 29.43% | 30.52% | 32.62% | 33.47% | 33.28% | 32.53% | 33.77% | 35.51% | +205 bps | |
| Equity / Assets | 29.36% | 31.69% | 32.18% | 33.69% | 32.44% | 32.69% | 34.42% | 36.03% | +234 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 113.93% | 120.31% | 116.13% | 119.95% | 108.42% | 103.27% | 106.38% | 110.71% | -924 bps | |
| Liquid Assets / Assets | 5.44% | 5.32% | 4.71% | 4.53% | 3.93% | 3.25% | 3.15% | 3.02% | -151 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |