BlastPoint's Banking Scorecard
The Croghan Colonial Bank
Designations: ✓ Community bank
Fremont, OH
19 branches across OH
The Croghan Colonial Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 25.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 5.5% in tier
- - ROA 0.31% below tier average
- - Net Interest Margin 0.11% below tier average
- - Efficiency Ratio 1.77% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+14.3% YoY
+2.9% QoQ
|
-$1.5B |
$2.8B
-0.1% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
26% |
| Total Loans ? |
$857.3M
+17.8% YoY
+4.4% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
20% |
| Total Deposits ? |
$1.0B
+3.6% YoY
+5.8% QoQ
|
-$1.3B |
$2.3B
-0.3% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
17% |
| Return on Assets ? |
1.06%
+17.9% YoY
+5.1% QoQ
|
-0.31% |
1.37%
+19.6% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
38% |
| Net Interest Margin ? |
3.71%
+6.8% YoY
+2.5% QoQ
|
-0.11% |
3.82%
+6.9% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
54% |
| Efficiency Ratio ? |
62.83%
-10.7% YoY
-6.0% QoQ
|
+1.77% |
61.06%
-4.6% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
40% |
| Delinquency Rate ? |
0.12%
+23.8% YoY
+53.8% QoQ
|
-0.76% |
0.89%
+14.1% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
Top 13.8% in tier |
| Loan-to-Deposit Ratio ? |
83.24%
+13.7% YoY
-1.2% QoQ
|
-0.96% |
84.20%
+0.3% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
28.28%
+7.2% YoY
+1.0% QoQ
|
+6.99% |
21.29%
-2.5% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
80% |
| Nonperforming Asset Ratio ? |
0.08%
+27.6% YoY
+56.1% QoQ
|
-0.60% |
0.67%
+15.6% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
Top 11.1% in tier |
| Tier 1 Capital Ratio ? |
12.36%
-11.5% YoY
-1.7% QoQ
|
-2.80% |
15.16%
+2.0% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
38% |
| Non-Interest Income / Assets ? |
0.13%
-6.8% YoY
-78.0% QoQ
|
-0.13% |
0.26%
+1.6% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
43% |
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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.