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Regulatory profile
Sandusky, OH · FDIC certificate #12982 · RSSD 542528
Performance workbook
Open the interactive workbook to compare reported quarterly history with national, asset-band and state peers.
Peer interpretation
$1B–$10B asset cohort · 902 institutions
Deterministic peer comparison, not a regulatory rating or diagnosis. “Opportunity” means lower favorable percentile within this asset cohort.
Reported performance
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-06-30 | $4.3B | $3.5B | $3.2B | 1.45% | 9.91% | 4.02% |
| 2026-03-31 | $4.3B | $3.5B | $3.2B | 1.46% | 10.11% | 3.97% |
| 2025-12-31 | $4.3B | $3.5B | $3.2B | 1.22% | 9.82% | 3.82% |
| 2025-09-30 | $4.1B | $3.2B | $3.1B | 1.22% | 10.24% | 3.71% |
| 2025-06-30 | $4.2B | $3.2B | $3.1B | 1.16% | 10.28% | 3.70% |
| 2025-03-31 | $4.1B | $3.3B | $3.1B | 1.13% | 10.05% | 3.63% |
| 2024-12-31 | $4.1B | $3.2B | $3.0B | 0.89% | 7.79% | 3.39% |
| 2024-09-30 | $4.1B | $3.2B | $3.0B | 0.84% | 7.30% | 3.34% |
| 2024-06-30 | $4.0B | $3.0B | $3.0B | 0.78% | 6.82% | 3.32% |
| 2024-03-31 | $3.9B | $3.0B | $2.9B | 0.76% | 6.50% | 3.40% |
| 2023-12-31 | $3.8B | $3.0B | $2.8B | 1.28% | 10.98% | 3.99% |
| 2023-09-30 | $3.7B | $2.8B | $2.7B | 1.35% | 11.55% | 4.10% |
| 2023-06-30 | $3.6B | $3.0B | $2.6B | 1.40% | 11.84% | 4.17% |
| 2023-03-31 | $3.6B | $2.9B | $2.5B | 1.60% | 13.61% | 4.28% |
| 2022-12-31 | $3.5B | $2.6B | $2.5B | 1.28% | 10.65% | 3.70% |
| 2022-09-30 | $3.2B | $2.7B | $2.3B | 1.22% | 10.13% | 3.49% |
| 2022-06-30 | $3.0B | $2.5B | $2.0B | 1.21% | 9.65% | 3.48% |
| 2022-03-31 | $3.2B | $2.7B | $2.0B | 1.23% | 9.61% | 3.35% |
| 2021-12-31 | $3.0B | $2.5B | $2.0B | 1.40% | 11.38% | 3.59% |
| 2021-09-30 | $2.9B | $2.4B | $2.0B | 1.36% | 11.38% | 3.63% |
| 2021-06-30 | $2.9B | $2.4B | $2.0B | 1.38% | 11.60% | 3.62% |
| 2021-03-31 | $3.1B | $2.5B | $2.0B | 1.51% | 12.69% | 3.63% |
| 2020-12-31 | $2.8B | $2.2B | $2.0B | 1.23% | 9.82% | 3.83% |
| 2020-09-30 | $2.8B | $2.1B | $2.0B | 1.15% | 9.19% | 3.83% |
| 2020-06-30 | $2.8B | $2.1B | $2.0B | 1.16% | 9.12% | 3.98% |
| 2020-03-31 | $2.6B | $2.0B | $1.7B | 1.34% | 10.08% | 4.27% |
| 2019-12-31 | $2.3B | $1.7B | $1.7B | 1.55% | 11.22% | 4.34% |
| 2019-09-30 | $2.3B | $1.7B | $1.6B | 1.61% | 11.68% | 4.39% |
| 2019-06-30 | $2.2B | $1.7B | $1.6B | 1.72% | 12.56% | 4.51% |
| 2019-03-31 | $2.3B | $1.8B | $1.6B | 1.82% | 13.55% | 4.51% |
| 2018-12-31 | $2.1B | $1.6B | $1.5B | 1.40% | 11.38% | 4.21% |
| 2018-09-30 | $2.1B | $1.6B | $1.5B | 1.35% | 11.37% | 4.05% |
| 2018-06-30 | $1.5B | $1.2B | $1.2B | 1.64% | 14.81% | 4.27% |
| 2018-03-31 | $1.6B | $1.3B | $1.1B | 1.84% | 16.91% | 4.26% |
| 2017-12-31 | $1.5B | $1.2B | $1.2B | 1.18% | 10.99% | 4.11% |
| 2017-09-30 | $1.5B | $1.2B | $1.1B | 1.20% | 11.29% | 4.05% |
| 2017-06-30 | $1.5B | $1.2B | $1.1B | 1.24% | 11.79% | 4.03% |
| 2017-03-31 | $1.6B | $1.3B | $1.1B | 1.36% | 13.16% | 3.96% |
| 2016-12-31 | $1.4B | $1.1B | $1.0B | 1.34% | 12.87% | 4.06% |
| 2016-09-30 | $1.4B | $1.1B | $1.0B | 1.41% | 13.73% | 4.06% |
| 2016-06-30 | $1.4B | $1.1B | $1.0B | 1.53% | 15.18% | 4.05% |
| 2016-03-31 | $1.5B | $1.3B | $1.0B | 1.45% | 14.88% | 3.89% |
Ownership, transformations and revisions
NIC relationships are time-bounded. Reviewed filing revisions remain distinct from mergers.
Unmatched RSSD entityRSSD 1246533 · 1987-08-31 to current
2025-11-07RSSD 457220 → 542528 · code 1
2023-09-01RSSD 5896516 → 542528 · code 1
2022-07-01RSSD 896427 → 542528 · code 1
2018-09-15RSSD 88772 → 542528 · code 1
2015-03-07RSSD 2837077 → 542528 · code 1
2009-07-01RSSD 1069200 → 542528 · code 1
No reviewed revisions published.
Latest registered batch · retrieved 8/27/2026, 10:51:00 AM · SHA-256 56519b9e6ae2ada5757ec111f52c6451d5e31d6d47a52fdcf0bf38acf129fcaa · source ↗
Put it in context
Use consistent definitions, then verify material findings against the official filing.