People Culture Future

Analytics and technology implemented with a personal touch allows us to provide the financial stability and peace of mind that our customers deserve.

  • For the Year
  • Gross Revenue $101,278
  • Operating Income* 16,531
  • Net Income (after tax) 16,531
  • Return on Average Equity* 7.72%
  • Return on Average Assets* 0.79%
  • Net Interest Margin 2.70%
  • Net Charge-offs to Avg Loans 0.03%
  • Year End
  • Total Admitted Assets $2,170,541
  • Loans 1,641,297
  • Investment Securities 299,606
  • Deposits 1,724,857
  • Shareholders' Equity 226,854
  • Equity to Assets Ratio* 10.5%
  • Asset Growth Rate* 3.5%
2023 Financials
  • For the Year
  • Gross Revenue $78,918
  • Operating Income* 22,262
  • Net Income (after tax) 17,990
  • Return on Average Equity* 10.52%
  • Return on Average Assets* 1.11%
  • Net Interest Margin 3.21%
  • Net Charge-offs to Avg Loans 0.01%
  • Year End
  • Total Admitted Assets $2,097,982
  • Loans 1,605,584
  • Investment Securities 310,433
  • Deposits 1,612,250
  • Shareholders' Equity 207,206
  • Equity to Assets Ratio* 9.9%
  • Asset Growth Rate* 6.5%
2022 Financials
  • For the Year
  • Gross Revenue $76,049
  • Operating Income* 21,878
  • Net Income (after tax) 21,878
  • Return on Average Equity* 10.34%
  • Return on Average Assets* 1.08%
  • Net Interest Margin 3.25%
  • Net Charge-offs to Avg Loans -0.02%
  • Year End
  • Total Admitted Assets $1,969,704
  • Loans 1,482,823
  • Investment Securities 352,113
  • Deposits 1,612,542
  • Shareholders' Equity 218,752
  • Equity to Assets Ratio* 11.1%
  • Asset Growth Rate* 3.8%
2021 Financials
  • For the Year
  • Gross Revenue $74,284
  • Operating Income* 16,360
  • Net Income (after tax) 16,360
  • Return on Average Equity* 8.52%
  • Return on Average Assets* 0.90%
  • Net Interest Margin 3.33%
  • Net Charge-offs to Avg Loans 0.03%
  • Year End
  • Total Admitted Assets $1,896,862
  • Loans 1,525,598
  • Investment Securities 198,135
  • Deposits 1,556,428
  • Shareholders' Equity 200,441
  • Equity to Assets Ratio* 10.6%
  • Asset Growth Rate* 23.1%
2020 Financials
  • For the Year
  • Gross Revenue $71,549
  • Operating Income* 14,349
  • Net Income (after tax) 14,349
  • Return on Average Equity* 8.24%
  • Return on Average Assets* 0.92%
  • Net Interest Margin 3.29%
  • Net Charge-offs to Avg Loans 0.08%
  • Year End
  • Total Admitted Assets $1,541,463
  • Loans 1,247,636
  • Investment Securities 146,364
  • Deposits 1,216,217
  • Shareholders' Equity 181,934
  • Equity to Assets Ratio* 11.8%
  • Asset Growth Rate* 3.0%
2019 Financials

Prepared in accordance with U.S. GAAP.
* Results based on non-U.S. GAAP basis with the primary difference being
operating income excludes nonrecurring, one-time, non-operational changes.

Dollars in thousands / unaudited

contact us

800.243.0210
One Park Circle
P.O.Box 5001
Westfield Center, OH 44251

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