The St. Henry Bank: how it compares with its peers
Against 55 OH banks with half to twice its assets, The St. Henry Bank's strongest measure in Q2 2026 is return on assets (2.57% vs. a 0.99% peer median). Its weakest relative measure is net interest margin (3.90% vs. 3.74%).
| Measure | The St. Henry Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.57% | 0.99% | Top third Ahead of 100% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.90% | 3.74% | Middle third Ahead of 60% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 34.68% | 69.74% | Top third Ahead of 100% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $15.6M | $6.4M | Top third Ahead of 98% of peers |
| Loans to deposits Net loans and leases over total deposits. | 63.61% | 82.84% | Context |
What it means for lending operations
Its efficiency ratio of 34.68% is better than the 69.74% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- North Valley Bank Zanesville, OH · $427M
- First National Bank in New Bremen New Bremen, OH · $467M
- GreenWay Bank Van Wert, OH · $402M
- The Farmers Bank and Savings Company Pomeroy, OH · $472M
- The First Citizens National Bank of Upper Sandusky Upper Sandusky, OH · $390M
- Ohio State Bank Bexley, OH · $484M
Questions about The St. Henry Bank
How big is The St. Henry Bank?
The St. Henry Bank, established in 1905, is headquartered in St. Henry, OH. It reported $436M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is The St. Henry Bank's return on assets?
2.57% annualized in Q2 2026, against a 0.99% median for 55 OH banks with half to twice its assets, ahead of 100% of them.
What is The St. Henry Bank's efficiency ratio?
34.68% in Q2 2026: it spent about 35 cents in noninterest expense for each dollar of revenue. The peer median is 69.74%, and lower is better.
Is The St. Henry Bank growing its loans?
Net loans grew 1.6% over the year to Q2 2026, while deposits shrank 10.3%.
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.