BlastPoint's Banking Scorecard
The Croghan Colonial Bank
Designations: ✓ Community bank
Fremont, OH
19 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 885 banks in the $1B-$10B peer group nationwide — 1 of 28 in OH.
- Deposits +11.1% year over year ($1.1B on the books).
- Delinquency rate 0.08%.
- Return on assets 1.20%.
- Efficiency ratio 59.55% vs a 59.73% peer average.
- Loan-to-deposit ratio 80.84% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Croghan Colonial Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 48.9% in tier
- + Nonperforming Asset Ratio 0.63% below tier average
- + Efficiency Ratio 0.17% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.19% below tier average
- - Net Interest Margin 0.12% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+20.0% YoY
+4.6% QoQ
|
-$1.4B |
$2.8B
-0.6% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
30% |
| Total Loans ? |
$883.9M
+19.3% YoY
+3.1% QoQ
|
-$1.1B |
$2.0B
-0.3% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
22% |
| Total Deposits ? |
$1.1B
+11.1% YoY
+6.2% QoQ
|
-$1.2B |
$2.3B
-0.5% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
22% |
| Return on Assets ? |
1.20%
+27.7% YoY
+12.9% QoQ
|
-0.19% |
1.39%
+17.0% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
44% |
| Net Interest Margin ? |
3.75%
+5.6% YoY
+1.1% QoQ
|
-0.12% |
3.87%
+6.2% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
53% |
| Efficiency Ratio ? |
59.55%
-14.1% YoY
-5.2% QoQ
|
-0.17% |
59.73%
-12.6% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
48% |
| Delinquency Rate ? |
0.08%
-27.9% YoY
-37.1% QoQ
|
-0.79% |
0.87%
+11.7% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
Top 10.0% in tier |
| Loan-to-Deposit Ratio ? |
80.84%
+7.4% YoY
-2.9% QoQ
|
-4.19% |
85.04%
-0.1% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
26.94%
-0.3% YoY
-4.7% QoQ
|
+5.67% |
21.27%
-1.5% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.05%
-28.3% YoY
-38.0% QoQ
|
-0.63% |
0.67%
+11.7% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
Top 8.9% in tier |
| Tier 1 Capital Ratio ? |
12.34%
-10.7% YoY
-0.1% QoQ
|
-2.50% |
14.84%
-0.4% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
38% |
| Non-Interest Income / Assets ? |
0.26%
-13.3% YoY
+103.3% QoQ
|
-0.27% |
0.53%
+2.5% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
41% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
26.9%
-0.1pp YoY -1.3pp QoQ |
+5.6pp | 21.4% | 18.8% | 22.2% | 77% |
| Brokered Deposits | 2.7% | -6.7pp | 9.5% | 7.7% | 8.5% | 33% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.0%
-1.4pp YoY -0.5pp QoQ |
-7.0pp | 14.0% | 10.2% | 12.5% | 28% |
| CRE |
71.6%
+9.1pp YoY +2.1pp QoQ |
+21.6pp | 50.0% | 34.2% | 41.4% | 90% |
| 1-4 Family |
13.0%
-2.8pp YoY -0.6pp QoQ |
-13.5pp | 26.4% | 50.0% | 31.3% | 24% |
| Consumer |
8.7%
-4.7pp YoY -1.0pp QoQ |
+3.9pp | 4.7% | 4.7% | 5.0% | 87% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.3%
-1.5pp YoY 0.0pp QoQ |
-3.3pp | 15.6% | 22.1% | 19.7% | 30% |
| Leverage Ratio |
10.1%
-1.0pp YoY -0.2pp QoQ |
-1.2pp | 11.3% | 12.9% | 12.6% | 40% |
| Total Capital Ratio |
13.3%
-1.5pp YoY 0.0pp QoQ |
-3.4pp | 16.7% | 23.2% | 20.8% | 26% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
207
-8 (-3.7%) YoY +6 (+3.0%) QoQ |
-107 | 313 | 2,433 | 482 | 44% |
| Assets per Employee ($) |
$6.8M
+24.6% YoY +1.6% QoQ |
-$3.6M | $10.5M | $7.6M | $8.8M | 22% |
| Branch Count |
19
0 YoY 0 QoQ |
-1 | 20 | 81 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.2% | 0.4% | 24% |
| Nonaccrual |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.8pp | 0.8% | 0.6% | 1.0% | 8% |
| Allowance Coverage |
14.45x
+33.0% YoY +57.6% QoQ |
-4.26x | 18.71x | 18.95x | 20.23x | 92% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 40% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.8%
+3.1pp YoY +1.4pp QoQ |
-0.8pp | 12.6% | 9.7% | 11.6% | 48% |
| Cost of Funds (YTD) |
1.8%
+0.1pp YoY 0.0pp QoQ |
-0.1pp | 1.9% | 1.7% | 1.7% | 43% |
| Net Income ($, YTD) |
$8.1M
+48.3% YoY — QoQ |
-$11.1M | $19.2M | $259.3M | $40.4M | 30% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.