| Metric | Ohio State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +4.4% | +0.9 pts |
| Deposit growth (YoY) | +5.9% | +4.0% | +1.9 pts |
| Loan growth (YoY) | +5.4% | +5.6% | -0.2 pts |
| ROA | 1.02% | 1.24% | -0.2 pts |
| ROE | 9.3% | 11.9% | -2.5 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $484.0M | $405.4M | $425.2M | $54.3M | $2.5M | 1.02% | 2.43% | 0.91% |
| Q1 2026 | $481.1M | $403.6M | $420.4M | $52.8M | $1.3M | 1.04% | 2.38% | 0.40% |
| Q4 2025 | $482.8M | $411.3M | $426.6M | $51.5M | $2.7M | 0.59% | 2.03% | 0.40% |
| Q3 2025 | $473.1M | $406.5M | $413.6M | $50.5M | $1.9M | 0.54% | 1.92% | 0.00% |
| Q2 2025 | $459.8M | $382.9M | $403.4M | $49.6M | $1.2M | 0.52% | 1.84% | 0.00% |
| Q1 2025 | $455.4M | $368.1M | $396.3M | $48.8M | $521K | 0.46% | 1.73% | 0.00% |
| Q4 2024 | $458.9M | $384.5M | $399.6M | $48.1M | $400K | 0.09% | 1.29% | 0.00% |
| Q3 2024 | $459.2M | $391.0M | $399.2M | $47.9M | $29K | 0.01% | 1.20% | 0.00% |
Loan mix (Q2 2026): real estate $412.8M · commercial $18.5M · consumer $70K · securities $8.4M
| Ratio | Ohio State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.02% | 1.24% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 11.9% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.43% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.4% | 62.9% | 21th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Ohio State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Ohio State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Ohio State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Ohio State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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