The Sherwood State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 5.31 percentage points higher than in Q1 2026, at 51.71%. Within Ohio, The Sherwood State Bank is 97th of 156 on return on assets, 0.85% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Sherwood State Bank sits 0.40 points lower, at 0.85% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.32% |
| Equity capital to assets | 11.79% |
| Tangible equity to tangible assets | 11.79% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.36% |
| Non-performing assets ratio | 1.77% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 13.92% |
| Allowance for credit losses to loans | 1.22% |
| Reserve coverage of non-performing loans | 51.71% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.85% |
| Return on equity | 7.24% |
| Net interest margin | 4.66% |
| Efficiency ratio | 76.44% |
| Yield on earning assets | 6.01% |
| Cost of funds | 1.48% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.54% |
| Core deposits to total deposits | 92.51% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.55% |
| Securities to assets | 15.92% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.98% | 0.53% | 4.11% | 2.24% | 0.00% |
| Q4 2023 | 13.10% | 0.95% | 4.64% | 1.58% | 0.01% |
| Q1 2024 | 12.63% | 0.41% | 3.85% | 1.42% | 0.05% |
| Q2 2024 | 12.57% | 0.15% | 3.83% | 3.14% | -0.01% |
| Q3 2024 | 12.51% | 0.32% | 3.83% | 2.94% | 0.01% |
| Q4 2024 | 11.97% | 0.77% | 4.14% | 2.76% | -0.16% |
| Q1 2025 | 12.03% | 0.49% | 4.06% | 2.72% | 0.00% |
| Q2 2025 | 12.34% | 0.99% | 4.80% | 2.30% | -0.01% |
| Q3 2025 | 12.28% | 0.64% | 4.26% | 2.45% | 0.08% |
| Q4 2025 | 12.27% | 0.61% | 4.46% | 2.37% | 0.03% |
| Q1 2026 | 12.27% | 0.69% | 4.43% | 2.62% | 0.01% |
| Q2 2026 | 12.32% | 0.85% | 4.66% | 2.36% | -0.02% |
The Sherwood State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Sherwood State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Sherwood State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16222) · FFIEC NIC profile (RSSD 546320)