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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 0.29% | 0.14% | 0.06% | -0.56% | -0.54% | -0.85% | -0.54% | -60 bps | |
| Return on Equity | 76.71% | 61.37% | 195.35% | 22.54% | -88.53% | -90.87% | -95.59% | -73.52% | -9,606 bps | |
| Net Interest Margin | 2.74% | 2.65% | 2.60% | 2.55% | 2.20% | 2.20% | 2.19% | 2.25% | -30 bps | |
| Efficiency Ratio | 84.67% | 88.84% | 91.95% | 95.32% | 113.55% | 116.94% | 132.20% | 130.26% | +3,494 bps | |
| Non-Interest Burden | 2.30% | 2.34% | 2.38% | 2.42% | 2.51% | 2.60% | 2.94% | 2.97% | +55 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.50% | 3.54% | -1.64% | 1.74% | -0.82% | -3.92% | -3.78% | -8.40% | -1,014 bps | |
| Loan Growth (YoY) | 20.83% | 22.58% | 21.33% | 7.67% | 4.86% | 0.36% | -5.22% | -7.06% | -1,473 bps | |
| Deposit Growth (YoY) | 6.45% | 3.93% | -4.22% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.08% | 1.10% | 1.07% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.65% | 8.39% | 8.35% | 8.38% | 8.34% | 8.27% | 8.04% | 8.47% | +9 bps | |
| Total Risk-Based Capital | 21.88% | 21.86% | 21.29% | 21.73% | 21.70% | 21.95% | 21.42% | 21.81% | +8 bps | |
| Equity / Assets | 0.71% | 0.41% | -1.12% | 0.94% | 0.33% | 0.49% | 1.84% | 0.08% | -86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 34.54% | 33.92% | 36.61% | 37.74% | 37.73% | 37.16% | 35.89% | 36.64% | -111 bps | |
| Liquid Assets / Assets | 2.25% | 2.46% | 3.87% | 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 | n/a | n/a | n/a |