Ohio - At A Glance - FDIC

State Profile Ohio

Third Quarter 2023

ECONOMIC INDICATORS (NOT SEASONALLY ADJUSTED, UNLESS NOTED) Employment Growth Rates (% change from year ago, unless noted) Total Nonfarm (share of trailing four quarter employment in parentheses) Manufacturing (12%) Other (non-manufacturing) Goods-Producing (4%) Private Service-Providing (69%) Government (14%) Unemployment Rate (% of labor force, seasonally adjusted)

Other Indicators (% change of 4-qtr moving total, unless noted) Single-Family Home Permits Multifamily Building Permits Home Price Index (change from year ago) Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)

Q3-23

1.8% 0.5% 5.4% 1.9% 1.6% 3.4%

Q3-23 -14.1% 25.1%

7.4% N/A

Q2-23

1.6% 1.7% 3.7% 1.7% 0.6% 3.6%

Q2-23 -16.0% 26.5%

7.0% 1.78

Q3-22

2.7% 2.9% 3.5% 2.8% 1.5% 4.1%

Q3-22 -12.0%

4.8% 14.4%

1.61

2022

2.6% 2.6% 4.2% 2.8% 1.2% 4.0%

2022 -14.4% 25.4% 14.9%

1.53

2021

2.4% 1.8% 2.0% 3.1% -0.4% 5.1%

2021 11.1% 5.1% 12.6%

1.74

BANKING TRENDS General Information Institutions (#) Total Assets (in millions) New Institutions (# < 3 years) Subchapter S Institutions (#)

Asset Quality Past-Due and Nonaccrual Loans / Total Loans (median %) Noncurrent Loans / Total Loans (median %) Loan and Lease Allowance / Total Loans (median %) Loan and Lease Allowance / Noncurrent Loans (median multiple) Net Loan Losses / Total Loans (median %, year-to-date annualized)

Capital / Earnings (year-to-date annualized, unless noted) Tier 1 Leverage (median %, end of period) Return on Assets (median %) Pretax Return on Assets (median %) Net Interest Margin (median %) Yield on Earning Assets (median %) Cost of Funding Earning Assets (median %) Provisions to Avg. Assets (median %) Noninterest Income to Avg. Assets (median %) Overhead to Avg. Assets (median %)

Liquidity/Sensitivity Net Loans to Assets (median %) Noncore Funding to Assets (median %) Long-term Assets to Assets (median %, call filers) Brokered Deposits (number of institutions) Brokered Deposits to Assets (median % for those above)

Loan Concentrations (median % of Tier 1 Capital plus the Reserve for Loan and Lease Losses) Commercial and Industrial Commercial Real Estate Construction & Development Multifamily Residential Real Estate Nonresidential Real Estate Residential Real Estate Consumer Agriculture

Q3-23 169

4,771,863 3 19

Q3-23 0.61 0.32 1.06 3.05 0.00

Q3-23 10.51

0.78 0.94 3.31 4.55 1.20 0.02 0.40 2.61

Q3-23 67.54 10.71 45.65

71 3.30

Q2-23 171

4,782,909 3 19

Q2-23 0.60 0.25 1.07 3.21 0.00

Q2-23 10.42 0.80 0.96 3.37 4.45 1.07 0.02

0.41 2.61

Q2-23 66.18 10.50 47.43

68 3.48

Q3-22 174

4,607,148 2 21

Q3-22 0.53 0.25 1.05 3.18 0.00

Q3-22 10.33

0.81 0.93 3.21 3.53 0.26 0.02 0.43 2.53

Q3-22 63.23

5.93 49.30

61 1.75

2022 171

4,501,159 2 20

2022 0.64 0.26 1.01 3.39 0.00

2022 10.32 0.85

0.97 3.23 3.68 0.34 0.02 0.42 2.56

2022 64.92

7.23 48.60

64 2.04

2021 175

4,569,256 3 21

2021 0.70 0.33 1.10 2.60 0.00

2021 10.25 0.86

1.06 3.06 3.50 0.32 0.01 0.52 2.55

2021 59.86

4.64 49.37

55 1.11

Q3-23

42 149 20 17 97 240 13 10

Q2-23

42 148 20 18 95 238 11 10

Q3-22

41 142 19 17 94 225 11

9

2022

43 143 21 17 97 230 11

9

2021

43 144 19 15

91 219

10 9

BANKING PROFILE

Largest Deposit Markets (from 2023 Summary of Deposits) Cincinnati, OH-KY-IN Cleveland-Elyria, OH Columbus, OH Akron, OH Toledo, OH

Institutions in Market

58 35 54 25 26

Deposits ($ millions)

193,299 127,909 104,038 18,134 16,041

Asset Distribution

< $100 million $100 million to $250 million

$250 million to $1 billion $1 billion to $10 billion > $10 billion

Institutions

38 (22.5% ) 46 (27.2% )

49 (29% ) 29 (17.2% )

7 (4.1% )

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