BlastPoint's Banking Scorecard
Greenville National Bank
Greenville, OH
10 branches across OH · IN
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 +4.7% year over year ($541.5M on the books).
- Delinquency rate 0.05%.
- Return on assets 1.68%.
- Efficiency ratio 49.29% vs a 64.48% peer average.
- Loan-to-deposit ratio 82.84% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Greenville National Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.36% above tier average
- + Net Interest Margin 0.32% above tier average
- + Efficiency Ratio 15.19% below tier average
- + Delinquency Rate 0.87% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$641.5M
+4.9% YoY
-1.0% QoQ
|
+$254.9M |
$386.6M
+1.2% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
84% |
| Total Loans ? |
$448.6M
+4.6% YoY
+3.3% QoQ
|
+$190.2M |
$258.3M
+1.7% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
84% |
| Total Deposits ? |
$541.5M
+4.7% YoY
+0.3% QoQ
|
+$214.8M |
$326.7M
+0.7% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
84% |
| Return on Assets ? |
1.68%
+21.3% YoY
+5.8% QoQ
|
+0.36% |
1.32%
+10.8% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
75% |
| Net Interest Margin ? |
4.31%
+7.3% YoY
+3.0% QoQ
|
+0.32% |
3.99%
+5.0% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
71% |
| Efficiency Ratio ? |
49.29%
-9.2% YoY
-2.2% QoQ
|
-15.19% |
64.48%
-3.2% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
85% |
| Delinquency Rate ? |
0.05%
-66.9% YoY
-53.7% QoQ
|
-0.87% |
0.92%
+15.7% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
82.84%
-0.1% YoY
+3.0% QoQ
|
+4.89% |
77.95%
+1.0% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
17.64%
-6.3% YoY
+0.2% QoQ
|
-4.39% |
22.03%
-0.6% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
35% |
| Nonperforming Asset Ratio ? |
0.11%
+8.3% YoY
+58.8% QoQ
|
-0.55% |
0.67%
+16.4% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
69% |
| Tier 1 Capital Ratio ? |
13.02%
+4.7% YoY
+0.3% QoQ
|
-2.89% |
15.91%
+1.4% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
48% |
| Non-Interest Income / Assets ? |
0.19%
+6.8% YoY
+96.8% QoQ
|
-0.37% |
0.57%
+7.6% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
47% |
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 |
17.6%
-1.2pp YoY 0.0pp QoQ |
-4.5pp | 22.1% | 18.8% | 22.2% | 34% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.8%
-0.1pp YoY +0.2pp QoQ |
-2.8pp | 11.6% | 10.2% | 12.5% | 45% |
| CRE |
29.6%
0.0pp YoY +1.2pp QoQ |
-10.0pp | 39.5% | 34.2% | 41.4% | 34% |
| 1-4 Family |
36.9%
+1.5pp YoY -0.9pp QoQ |
+4.3pp | 32.6% | 50.0% | 31.3% | 65% |
| Consumer |
7.2%
-1.9pp YoY -0.6pp QoQ |
+3.1pp | 4.1% | 4.7% | 5.0% | 86% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.1% | 19.7% | n/a |
| Leverage Ratio |
13.0%
+0.6pp YoY 0.0pp QoQ |
+0.8pp | 12.2% | 12.9% | 12.6% | 75% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
98
-7 (-6.7%) YoY 0 QoQ |
+39 | 58 | 2,433 | 482 | 86% |
| Assets per Employee ($) |
$6.5M
+12.4% YoY -1.0% QoQ |
-$972K | $7.5M | $7.6M | $8.8M | 44% |
| Branch Count |
10
0 YoY 0 QoQ |
+5 | 4 | 81 | 18 | 90% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.0% | -0.3pp | 0.3% | 0.2% | 0.4% | 27% |
| Nonaccrual |
0.0%
-0.1pp YoY -0.1pp QoQ |
-0.9pp | 0.9% | 0.6% | 1.0% | 7% |
| Allowance Coverage |
27.80x
+225.8% YoY +112.2% QoQ |
+3.65x | 24.15x | 18.95x | 20.23x | 91% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY +0.1pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 59% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.8%
+1.3pp YoY +0.6pp QoQ |
+1.6pp | 12.2% | 9.7% | 11.6% | 61% |
| Cost of Funds (YTD) |
1.2%
-0.1pp YoY 0.0pp QoQ |
-0.6pp | 1.7% | 1.7% | 1.7% | 17% |
| Net Income ($, YTD) |
$5.4M
+25.8% YoY — QoQ |
+$2.8M | $2.6M | $259.3M | $40.4M | 89% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.