BlastPoint's Banking Scorecard
The Corn City State Bank
Deshler, OH
The Corn City State Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 26.4% in tier
- + ROA 0.10% above tier average
- + Efficiency Ratio 12.95% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 0.1% in tier
- - Net Interest Margin 1.02% below tier average
- - Non-Interest Income / Assets 0.26% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$106.8M
+11.0% YoY
+4.0% QoQ
|
-$279.3M |
$386.1M
+0.5% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
Bottom 2.2% in tier |
| Total Loans ? |
$72.6M
+21.8% YoY
+3.3% QoQ
|
-$183.1M |
$255.7M
+1.1% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
Bottom 8.3% in tier |
| Total Deposits ? |
$90.8M
+12.7% YoY
+3.2% QoQ
|
-$237.2M |
$328.0M
+0.1% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
Bottom 2.8% in tier |
| Return on Assets ? |
1.37%
+82.9% YoY
+75.1% QoQ
|
+0.10% |
1.27%
+12.9% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
60% |
| Net Interest Margin ? |
2.91%
+19.3% YoY
+10.7% QoQ
|
-1.02% |
3.93%
+6.0% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 8.8% in tier |
| Efficiency Ratio ? |
52.33%
-20.9% YoY
-10.0% QoQ
|
-12.95% |
65.29%
-4.5% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
80% |
| Delinquency Rate ? | 0.00% | -0.89% |
0.89%
+18.8% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
Top 11.9% in tier |
| Loan-to-Deposit Ratio ? |
79.98%
+8.0% YoY
+0.1% QoQ
|
+3.34% |
76.64%
+0.8% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
13.52%
+0.4% YoY
-2.0% QoQ
|
-8.50% |
22.02%
-1.0% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
19% |
| Nonperforming Asset Ratio ? | 0.00% | -0.64% |
0.64%
+19.7% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
Top 11.3% in tier |
| Tier 1 Capital Ratio ? |
10.59%
-5.4% YoY
+0.9% QoQ
|
-5.24% |
15.83%
+1.5% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
18% |
| Non-Interest Income / Assets ? |
0.02%
-44.0% YoY
-73.7% QoQ
|
-0.26% |
0.28%
+9.3% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
Bottom 5.0% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.