Marblehead, OH · Cert 9860
FDIC · 3 branches
Q4 2024
Market Position · Sandusky, OH · 2024 SOD (annual) · 1.7% share · #12 of 14 inst. · $0.1B of $3.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.20% | -0.56% | -0.51% | -1.51% | 0.43% | +64 bps | |
| Return on Equity | 242% | -88.53% | -124.26% | -130.30% | 44.24% | -19,818 bps | |
| Net Interest Margin | 2.32% | 2.20% | 2.20% | 2.10% | 2.17% | -15 bps | |
| Efficiency Ratio | 106.96% | 113.55% | 120.33% | 164.20% | 124.05% | +1,709 bps | |
| Non-Interest Burden | 2.49% | 2.51% | 2.67% | 3.55% | 2.72% | +23 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.74% | -0.82% | -3.92% | -3.78% | -8.40% | -1,014 bps | |
| Loan Growth (YoY) | 7.67% | 4.86% | 0.36% | -5.22% | -7.06% | -1,473 bps | |
| Deposit Growth (YoY) | -4.39% | -4.01% | -8.39% | -3.31% | -4.25% | +14 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.08% | 1.21% | 1.25% | 1.21% | 1.22% | +14 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.38% | 8.34% | 8.27% | 8.04% | 8.47% | +9 bps | |
| Total Risk-Based Capital | 21.73% | 21.70% | 21.95% | 21.42% | 21.81% | +8 bps | |
| Equity / Assets | 0.94% | 0.33% | 0.49% | 1.84% | 0.08% | -86 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 37.74% | 37.73% | 37.16% | 35.89% | 36.64% | -111 bps | |
| Liquid Assets / Assets | 4.06% | 4.74% | 4.58% | 3.23% | 3.22% | -84 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |