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The Old Fort Banking Company

$100M-$1B Specialty: Commercial OH FDIC cert 10255

Old Fort, OH

11 branches across OH

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in OH.
  • Deposits -2.6% year over year ($781.8M on the books).
  • Delinquency rate 0.20%.
  • Return on assets 1.44%.
  • Efficiency ratio 56.91% vs a 64.48% peer average.
  • Loan-to-deposit ratio 61.34% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in OH
View $100M-$1B leaderboard (OH) →

The Old Fort Banking Company has 3 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.12% above tier average
  • + Efficiency Ratio 7.57% below tier average
  • + Delinquency Rate 0.72% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 29.7% in tier
  • - Credit Risk Growth: Bottom 34.5% in tier
  • - Flatlined Growth: Bottom 46.9% in tier
  • - Net Interest Margin 0.95% below tier average
Get updates when The Old Fort Banking Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $843.9M
-1.4% YoY -1.2% QoQ
+$457.3M $386.6M
+1.2% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
Top 5.9% in tier
Total Loans ? $479.6M
+6.8% YoY +0.6% QoQ
+$221.2M $258.3M
+1.7% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
Top 13.4% in tier
Total Deposits ? $781.8M
-2.6% YoY -1.3% QoQ
+$455.1M $326.7M
+0.7% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
Top 3.1% in tier
Return on Assets ? 1.44%
+37.9% YoY +5.6% QoQ
+0.12% 1.32%
+10.8% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
62%
Net Interest Margin ? 3.03%
+21.4% YoY +2.3% QoQ
-0.95% 3.99%
+5.0% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
Bottom 10.8% in tier
Efficiency Ratio ? 56.91%
-10.1% YoY -2.7% QoQ
-7.57% 64.48%
-3.2% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
67%
Delinquency Rate ? 0.20%
-3.0% QoQ
-0.72% 0.92%
+15.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
65%
Loan-to-Deposit Ratio ? 61.34%
+9.6% YoY +1.9% QoQ
-16.61% 77.95%
+1.0% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
81%
Non-Interest-Bearing Deposit Share ? 22.27%
+3.6% YoY -2.5% QoQ
+0.24% 22.03%
-0.6% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
56%
Nonperforming Asset Ratio ? 0.11%
-1.3% QoQ
-0.55% 0.67%
+16.4% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
69%
Tier 1 Capital Ratio ? 15.16%
+1.2% YoY +1.4% QoQ
-0.74% 15.91%
+1.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
67%
Non-Interest Income / Assets ? 0.24%
-1.8% YoY +104.2% QoQ
-0.32% 0.57%
+7.6% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
62%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Noninterest-Bearing 22.3%
+0.8pp YoY
-0.6pp QoQ
 +0.1pp 22.1% 18.8% 22.2% 56%
Brokered Deposits n/a n/a 7.9% 7.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 19.4%
-0.1pp YoY
+0.3pp QoQ
 +7.9pp 11.6% 10.2% 12.5% 87%
CRE 39.9%
-2.8pp YoY
-1.4pp QoQ
 +0.4pp 39.5% 34.2% 41.4% 53%
1-4 Family 40.6%
+3.1pp YoY
+1.2pp QoQ
 +8.0pp 32.6% 50.0% 31.3% 71%
Consumer 0.3%
0.0pp YoY
0.0pp QoQ
 -3.8pp 4.1% 4.7% 5.0% 11%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio 15.2%
+0.2pp YoY
+0.2pp QoQ
 -3.7pp 18.8% 22.1% 19.7% 51%
Leverage Ratio 8.9%
+0.5pp YoY
+0.2pp QoQ
 -3.3pp 12.2% 12.9% 12.6% 10%
Total Capital Ratio 16.2%
+0.2pp YoY
+0.2pp QoQ
 -3.7pp 19.9% 23.2% 20.8% 50%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 95
0 YoY
0 QoQ
 +36 58 2,433 482 85%
Assets per Employee ($) $8.9M
-1.4% YoY
-1.2% QoQ
 +$1.4M $7.5M $7.6M $8.8M 78%
Branch Count 11
0 YoY
0 QoQ
 +6 4 81 18 93%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp QoQ
 -0.3pp 0.3% 0.2% 0.4% 19%
Nonaccrual 0.2%
0.0pp QoQ
 -0.7pp 0.9% 0.6% 1.0% 29%
Allowance Coverage 5.40x
+3.4% QoQ
 -18.75x 24.15x 18.95x 20.23x 72%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 41%

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 21.3%
+2.4pp YoY
+1.1pp QoQ
 +9.1pp 12.2% 9.7% 11.6% 91%
Cost of Funds (YTD) 1.4%
-0.3pp YoY
0.0pp QoQ
 -0.3pp 1.7% 1.7% 1.7% 33%
Net Income ($, YTD) $6.1M
+39.4% YoY
— QoQ
 +$3.6M $2.6M $259.3M $40.4M 92%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Credit Quality Pressure

risk
#374 of 1256 • Bottom 29.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.20%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#324 of 936 • Bottom 34.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Flatlined Growth

risk
#249 of 529 • Bottom 46.9% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.44%
(Tier: 1.32%, National: 1.30%)
better than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

84
Total Deposits
size
Value: $781.79M
Peer Median: $326.73M
#84 of 2643 Top 3.1% in $100M-$1B
157
Total Assets
size
Value: $843.87M
Peer Median: $386.57M
#157 of 2643 Top 5.9% in $100M-$1B
354
Total Loans
size
Value: $479.56M
Peer Median: $258.35M
#354 of 2643 Top 13.4% in $100M-$1B
501
Loan-to-Deposit Ratio
liquidity
Value: 61.34%
Peer Median: 77.95%
#501 of 2643 Top 18.9% in $100M-$1B

Top Weaknesses (1 metrics)

2359
Net Interest Margin
profitability
Value: 3.03%
Peer Median: 3.99%
#2359 of 2643 Bottom 10.8% in $100M-$1B
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