BlastPoint's Banking Scorecard
The Twin Valley Bank
West Alexandria, OH
5 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 -1.8% year over year ($126.5M on the books).
- Delinquency rate 0.08%.
- Return on assets 1.08%.
- Efficiency ratio 71.11% vs a 64.48% peer average.
- Loan-to-deposit ratio 72.57% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Twin Valley Bank has 2 strengths but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 22.3% in tier
- + Net Interest Margin 0.05% above tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 6.3% in tier
- - Deposit Outflow: Bottom 12.2% in tier
- - Flatlined Growth: Bottom 31.6% in tier
- - NIB Deposit Bleed: Bottom 37.6% in tier
- - ROA 0.24% below tier average
- - Efficiency Ratio 6.63% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$137.6M
-0.7% YoY
-1.2% QoQ
|
-$249.0M |
$386.6M
+1.2% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
Bottom 10.3% in tier |
| Total Loans ? |
$91.8M
+0.3% YoY
-1.6% QoQ
|
-$166.5M |
$258.3M
+1.7% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
15% |
| Total Deposits ? |
$126.5M
-1.8% YoY
-1.5% QoQ
|
-$200.2M |
$326.7M
+0.7% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
Bottom 14.3% in tier |
| Return on Assets ? |
1.08%
+44.0% YoY
+96.1% QoQ
|
-0.24% |
1.32%
+10.8% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
39% |
| Net Interest Margin ? |
4.04%
-0.5% YoY
+5.1% QoQ
|
+0.05% |
3.99%
+5.0% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
56% |
| Efficiency Ratio ? |
71.11%
-6.9% YoY
-12.1% QoQ
|
+6.63% |
64.48%
-3.2% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
27% |
| Delinquency Rate ? |
0.08%
-39.3% YoY
-73.2% QoQ
|
-0.84% |
0.92%
+15.7% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
72.57%
+2.1% YoY
-0.1% QoQ
|
-5.38% |
77.95%
+1.0% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
13.47%
-18.8% YoY
-3.5% QoQ
|
-8.56% |
22.03%
-0.6% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
19% |
| Nonperforming Asset Ratio ? |
0.22%
+150.1% YoY
+8.9% QoQ
|
-0.45% |
0.67%
+16.4% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
59% |
| Tier 1 Capital Ratio ? |
9.23%
-24.8% YoY
-28.9% QoQ
|
-6.68% |
15.91%
+1.4% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
Bottom 2.6% in tier |
| Non-Interest Income / Assets ? |
0.37%
+176.7% YoY
+407.0% QoQ
|
-0.19% |
0.57%
+7.6% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
82% |
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 |
13.5%
-3.1pp YoY -0.5pp QoQ |
-8.7pp | 22.1% | 18.8% | 22.2% | 18% |
| 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 |
10.3%
-1.6pp YoY -0.7pp QoQ |
-1.2pp | 11.6% | 10.2% | 12.5% | 54% |
| CRE |
28.1%
+2.5pp YoY +1.6pp QoQ |
-11.4pp | 39.5% | 34.2% | 41.4% | 31% |
| 1-4 Family |
49.5%
+2.8pp YoY +1.1pp QoQ |
+16.9pp | 32.6% | 50.0% | 31.3% | 82% |
| Consumer |
1.8%
-0.3pp YoY 0.0pp QoQ |
-2.3pp | 4.1% | 4.7% | 5.0% | 44% |
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 |
9.2%
+0.7pp YoY +0.3pp QoQ |
-2.9pp | 12.2% | 12.9% | 12.6% | 16% |
| 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 |
27
+1 (+3.8%) YoY 0 QoQ |
-32 | 58 | 2,433 | 482 | 22% |
| Assets per Employee ($) |
$5.1M
-4.4% YoY -1.2% QoQ |
-$2.4M | $7.5M | $7.6M | $8.8M | 16% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 81 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.2% | 0.4% | 16% |
| Nonaccrual |
0.1%
0.0pp YoY -0.2pp QoQ |
-0.9pp | 0.9% | 0.6% | 1.0% | 15% |
| Allowance Coverage |
11.21x
+72.2% YoY +274.0% QoQ |
-12.95x | 24.15x | 18.95x | 20.23x | 83% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY +0.1pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 69% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.0%
+2.7pp YoY +7.1pp QoQ |
+2.8pp | 12.2% | 9.7% | 11.6% | 67% |
| Cost of Funds (YTD) |
1.4%
+0.1pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 1.7% | 1.7% | 32% |
| Net Income ($, YTD) |
$760,000
+49.9% YoY — QoQ |
-$1.8M | $2.6M | $259.3M | $40.4M | 19% |
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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 (4)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.