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Data through Q3 2026 · 4,200 institutions
Regulatory profile
St. Henry, OH · FDIC certificate #9871
ST HENRY BANK is an FDIC-insured institution based in St. Henry, OH (FDIC certificate #9871). In its Q3 2026 Call Report it reported total assets of $422M, total deposits of $376M and net loans of $252M. Its primary federal regulator is FED.
Plain-language readout
ST HENRY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $448M in Q1 2026 and were lowest at $422M in Q3 2026.
Total deposits were highest at $395M in Q1 2026 and lowest at $376M in Q3 2026.
Over the whole period total assets fell 5.7%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $422M | $376M | $252M | 2.76% | 27.03% | 4.04% |
| Q2 2026 | $436M | $385M | $245M | 2.57% | 25.30% | 3.90% |
| Q1 2026 | $448M | $395M | $247M | 2.65% | 27.00% | 3.81% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $33.4M | $45.6M | -$12.2M | -26.8% |
| Federal funds sold | $10.0M | $0K | +$10.0M | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $129.2M | $136.6M | -$7.4M | -5.4% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $244.6M | $247.3M | -$2.7M | -1.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.9M | $1.9M | -$27K | -1.4% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $16.5M | $16.4M | +$99K | +0.6% |
| Total assets | $435.6M | $447.9M | -$12.3M | -2.7% |
| Liabilities | ||||
| Total deposits | $384.5M | $394.7M | -$10.2M | -2.6% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $12K | $13K | -$1K | -7.7% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.5M | $4.4M | -$885K | -20.0% |
| Total liabilities | $388.1M | $399.2M | -$11.1M | -2.8% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $101K | $101K | $0K | 0.0% |
| Surplus | $1.0M | $1.0M | $0K | 0.0% |
| Retained earnings | $58.5M | $60.4M | -$1.8M | -3.0% |
| Accumulated other comprehensive income | -$12.1M | -$12.8M | +$635K | +5.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $47.5M | $48.7M | -$1.2M | -2.4% |
| Credit and capital | ||||
| Gross nonperforming assets | $254K | $423K | -$169K | -40.0% |
| Adjusted nonperforming assets | $254K | $423K | -$169K | -40.0% |
| Tangible equity plus allowance | $50.9M | $51.8M | -$971K | -1.9% |
| Texas ratio (gross) | 0.50% | 0.82% | -0.32 pts | See points |
| Texas ratio (adjusted) | 0.50% | 0.82% | -0.32 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.50% | 0.82% | -0.32 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 13.61% | 12.96% | +0.64 pts | See points |
| Construction and land loans to total capital | 30.09% | 24.04% | +6.05 pts | See points |
| Commercial real estate to total capital | 78.00% | 70.09% | +7.91 pts | See points |
| Dividend payout, year to date | 109.44% | 62.20% | +47.24 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -20.33% | -20.76% | +0.43 pts | See points |
| Liquidity | ||||
| Core deposits | $357.9M | $364.7M | -$6.7M | -1.8% |
| Non-core funding | $26.6M | $30.1M | -$3.5M | -11.5% |
| Loans to core deposits | 69.27% | 68.68% | +0.59 pts | See points |
| Loans to deposits | 64.48% | 63.45% | +1.03 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 19.44% | 18.80% | +0.64 pts | See points |
| Loans pledged, share of loans | 21.60% | 23.27% | -1.67 pts | See points |
| Volatile liabilities | $26.6M | $30.1M | -$3.5M | -11.5% |
| Earnings | ||||
| Earnings before provision, year to date | $6.1M | $3.3M | +$2.8M | +86.0% |
| Earnings before provision, single quarter | $2.8M | $3.3M | -$463K | -14.0% |
| Provision for credit losses, year to date | $30K | $15K | +$15K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.24% | 6.25% | -0.01 pts | See points |
| Yield on interest-bearing balances due from banks | 3.92% | 3.52% | +0.41 pts | See points |
| Total interest income to average assets | 4.89% | 4.79% | +0.10 pts | See points |
| Cost of interest-bearing transaction accounts | 0.85% | 0.67% | +0.18 pts | See points |
| Cost of savings and money market deposits | 0.84% | 0.97% | -0.13 pts | See points |
| Cost of time deposits | 3.04% | 3.20% | -0.16 pts | See points |
| Total interest expense to average assets | 1.00% | 1.04% | -0.04 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $422M | $376M | $252M | 2.76% | 27.03% | 4.04% |
| 2026-06-30 | $436M | $385M | $245M | 2.57% | 25.30% | 3.90% |
| 2026-03-31 | $448M | $395M | $247M | 2.65% | 27.00% | 3.81% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| OH | $428.7M | 0.08% | 66 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.