The Croghan Colonial Bank
Total assets
$1.41B
▲ +20.0% YoY
Deposits
$1.09B
▲ +11.1% YoY
Loans
$883.9M
▲ +19.3% YoY
Offices
19
CROGHAN BANCSHARES INC
ROA (annualized)
1.20%
peers 1.26%
ROE (annualized)
11.77%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +20.0% | +5.5% | +14.5 pts |
| Deposit growth (YoY) | +11.1% | +5.1% | +6.1 pts |
| Loan growth (YoY) | +19.4% | +5.9% | +13.4 pts |
| ROA | 1.20% | 1.26% | -0.1 pts |
| ROE | 11.8% | 12.2% | -0.4 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
Profile
- Established
- 1888
- Charter
- State
- Primary regulator
- FED
- Holding company
- CROGHAN BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 323 Croghan St, Fremont, OH, 43420
- County
- Sandusky
- Metro area
- Fremont, OH
- Offices
- 19
- FDIC cert #
- 13341
- RSSD ID
- 362717
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.41B | $1.09B | $883.9M | $141.9M | $8.1M | 1.20% | 3.75% | 0.05% |
| Q1 2026 | $1.35B | $1.03B | $857.3M | $136.0M | $3.5M | 1.06% | 3.71% | 0.08% |
| Q4 2025 | $1.31B | $973.8M | $820.8M | $137.0M | $12.2M | 1.01% | 3.62% | 0.05% |
| Q3 2025 | $1.24B | $976.6M | $752.5M | $133.9M | $8.9M | 1.00% | 3.59% | 0.09% |
| Q2 2025 | $1.18B | $983.8M | $740.6M | $129.8M | $5.5M | 0.94% | 3.55% | 0.07% |
| Q1 2025 | $1.18B | $994.2M | $727.7M | $126.8M | $2.6M | 0.90% | 3.47% | 0.06% |
| Q4 2024 | $1.15B | $944.3M | $726.0M | $123.7M | $10.2M | 0.90% | 3.41% | 0.07% |
| Q3 2024 | $1.15B | $934.9M | $715.3M | $129.9M | $7.8M | 0.92% | 3.36% | 0.09% |
Loan mix (Q2 2026): real estate $752.6M · commercial $62.1M · consumer $76.5M · securities $347.4M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 1.26% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 11.8% | 12.2% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.70% | 53th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.6% | 59.0% | 52th | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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