BlastPoint's Banking Scorecard

The Savings Bank

$100M-$1B Specialty: Commercial OH FDIC cert 13216

Circleville, OH

6 branches across OH

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in OH.
Deposits +2.5% year over year ($450.2M on the books).
Delinquency rate 0.22%.
Return on assets 0.63%.
Efficiency ratio 72.36% vs a 64.48% peer average.
Loan-to-deposit ratio 86.01% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in OH

View $100M-$1B leaderboard (OH) →

The Savings Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.70% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 13.0% in tier
- ROA 0.70% below tier average
- Net Interest Margin 0.38% below tier average
- Efficiency Ratio 7.88% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$520.1M +0.1% YoY +0.5% QoQ	+$133.5M	$386.6M +1.2% YoY	$36.7B +9.4% YoY	$6.3B +7.7% YoY	74%
Total Loans ?	$387.2M +7.1% YoY +2.2% QoQ	+$128.9M	$258.3M +1.7% YoY	$16.2B +12.1% YoY	$3.2B +9.4% YoY	78%
Total Deposits ?	$450.2M +2.5% YoY +2.4% QoQ	+$123.5M	$326.7M +0.7% YoY	$26.4B +7.6% YoY	$4.9B +7.3% YoY	75%
Return on Assets ?	0.63% +23.2% YoY +44.1% QoQ	-0.70%	1.32% +10.8% YoY	1.21% +9.4% YoY	1.30% +12.1% YoY	16%
Net Interest Margin ?	3.61% +17.4% YoY +4.1% QoQ	-0.38%	3.99% +5.0% YoY	3.65% +6.4% YoY	3.95% +4.9% YoY	33%
Efficiency Ratio ?	72.36% -10.5% YoY -1.1% QoQ	+7.88%	64.48% -3.2% YoY	70.70% -3.8% YoY	70.05% +2.5% YoY	25%
Delinquency Rate ?	0.22% -9.6% YoY -53.9% QoQ	-0.70%	0.92% +15.7% YoY	0.68% +23.3% YoY	0.98% +16.3% YoY	64%
Loan-to-Deposit Ratio ?	86.01% +4.5% YoY -0.2% QoQ	+8.06%	77.95% +1.0% YoY	79.88% +0.7% YoY	79.03% +2.3% YoY	35%
Non-Interest-Bearing Deposit Share ?	20.39% +3.2% YoY -2.4% QoQ	-1.64%	22.03% -0.6% YoY	18.59% +0.9% YoY	21.98% -0.6% YoY	47%
Nonperforming Asset Ratio ?	0.16% -3.3% YoY -53.2% QoQ	-0.51%	0.67% +16.4% YoY	0.46% +23.9% YoY	0.69% +15.8% YoY	64%
Tier 1 Capital Ratio ?	14.94% -1.3% YoY -1.2% QoQ	-0.97%	15.91% +1.4% YoY	18.68% -0.2% YoY	17.09% +0.8% YoY	65%
Non-Interest Income / Assets ?	0.19% -0.2% YoY +106.2% QoQ	-0.37%	0.57% +7.6% YoY	1.22% +2.7% YoY	0.66% +5.2% YoY	48%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Noninterest-Bearing	20.4% +0.6pp YoY -0.5pp QoQ	-1.8pp	22.1%	18.8%	22.2%	47%
Brokered Deposits	6.1% +0.4pp YoY +1.5pp QoQ	-1.8pp	7.9%	7.7%	8.5%	59%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
C&I	6.0% -0.5pp YoY 0.0pp QoQ	-5.6pp	11.6%	10.2%	12.5%	26%
CRE	32.7% +2.0pp YoY +0.9pp QoQ	-6.9pp	39.5%	34.2%	41.4%	40%
1-4 Family	57.8% -0.6pp YoY -0.4pp QoQ	+25.1pp	32.6%	50.0%	31.3%	88%
Consumer	3.0% -0.5pp YoY 0.0pp QoQ	-1.1pp	4.1%	4.7%	5.0%	60%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
CET1 Ratio	14.9% -0.2pp YoY -0.2pp QoQ	-3.9pp	18.8%	22.1%	19.7%	48%
Leverage Ratio	9.4% +0.1pp YoY +0.1pp QoQ	-2.8pp	12.2%	12.9%	12.6%	20%
Total Capital Ratio	16.0% -0.2pp YoY -0.2pp QoQ	-4.0pp	19.9%	23.2%	20.8%	48%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Full-Time Employees	81 -2 (-2.4%) YoY +1 (+1.2%) QoQ	+22	58	2,433	482	77%
Assets per Employee ($)	$6.4M +2.5% YoY -0.7% QoQ	-$1.1M	$7.5M	$7.6M	$8.8M	41%
Branch Count	6 0 YoY 0 QoQ	+1	4	81	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.2%	0.4%	n/a
Nonaccrual	0.2% 0.0pp YoY -0.3pp QoQ	-0.7pp	0.9%	0.6%	1.0%	31%
Allowance Coverage	4.04x +6.4% YoY +115.8% QoQ	-20.11x	24.15x	18.95x	20.23x	65%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	69%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
ROE	6.2% +0.8pp YoY +1.9pp QoQ	-6.0pp	12.2%	9.7%	11.6%	18%
Cost of Funds (YTD)	1.5% 0.0pp YoY 0.0pp QoQ	-0.2pp	1.7%	1.7%	1.7%	38%
Net Income ($, YTD)	$1.6M +23.6% YoY — QoQ	-$930K	$2.6M	$259.3M	$40.4M	45%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Flatlined Growth

risk

#70 of 529 • Bottom 13.0% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.63%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

588

Total Loans

size

Value: $387.25M

Peer Median: $258.35M

#588 of 2643 Top 22.2% in $100M-$1B

Top Weaknesses (2 metrics)

2219

Return on Assets

profitability

Value: 0.63%

Peer Median: 1.32%

#2219 of 2643 Bottom 16.1% in $100M-$1B

1985

Efficiency Ratio

profitability

Value: 72.36%

Peer Median: 64.48%

#1985 of 2643 Bottom 24.9% in $100M-$1B