Profitability fell at U.S. banks and thrifts with less than $10 billion in assets in the second quarter, according to an analysis of results reported through Aug. 2.

The median return on average equity among the 274 publicly traded banks and thrifts in the analysis was 10.03% for the quarter, down from 10.35% in the year-ago period. The group's median net interest margin inched down to 3.63% from 3.64%.

However, the median efficiency ratio clocked at 61.39%, down from 61.80% in the year-ago quarter. The group's median net charge-off ratio fell slightly to 0.03% from 0.04%.

Median year-over-year loan growth was 8.0% in the second quarter, compared to a 10.7% increase in the year-ago quarter. Deposits grew by a median of 7.7% year over year, down from 9.1% growth in the second quarter of 2018.

Click here to access an Excel template that provides data on earnings at public banks and thrifts.