The Croghan Colonial Bank: how it compares with its peers
Against 27 OH banks with half to twice its assets, The Croghan Colonial Bank's strongest measure in Q2 2026 is net interest margin (3.75% vs. a 3.80% peer median). Its weakest relative measure is assets per employee ($6.8M vs. $7.2M).
| Measure | The Croghan Colonial Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.20% | 1.26% | Middle third Ahead of 44% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.75% | 3.80% | Middle third Ahead of 48% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.55% | 59.15% | Middle third Ahead of 48% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.8M | $7.2M | Bottom third Ahead of 33% of peers |
| Loans to deposits Net loans and leases over total deposits. | 80.84% | 82.89% | Context |
What it means for lending operations
Its efficiency ratio of 59.55% is above the 59.15% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Guardian Savings Bank West Chester, OH · $1.39B
- The Union Bank Company Columbus Grove, OH · $1.44B
- Signature Bank, National Association Toledo, OH · $1.31B
- The Richwood Banking Company Richwood, OH · $1.30B
- The Commercial and Savings Bank of Millersburg, Ohio Millersburg, OH · $1.30B
- Consumers National Bank Minerva, OH · $1.28B
Questions about The Croghan Colonial Bank
How big is The Croghan Colonial Bank?
The Croghan Colonial Bank, established in 1888, is headquartered in Fremont, OH. It reported $1.41B in total assets in its Q2 2026 FDIC call report and operates 19 offices.
What is The Croghan Colonial Bank's return on assets?
1.20% annualized in Q2 2026, against a 1.26% median for 27 OH banks with half to twice its assets, ahead of 44% of them.
What is The Croghan Colonial Bank's efficiency ratio?
59.55% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 59.15%, and lower is better.
Is The Croghan Colonial Bank growing its loans?
Net loans grew 19.3% over the year to Q2 2026, while deposits grew 11.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OH banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Ohio bank ranked.