BlastPoint's Banking Scorecard
The Twin Valley Bank
West Alexandria, OH
5 branches across OH
The Twin Valley Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.59% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 16.4% in tier
- - Credit Risk Growth: Bottom 29.7% in tier
- - Credit Quality Pressure: Bottom 32.5% in tier
- - ROA 0.72% below tier average
- - Net Interest Margin 0.09% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$139.3M
+3.7% YoY
-4.4% QoQ
|
-$246.8M |
$386.1M
+0.5% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
Bottom 10.9% in tier |
| Total Loans ? |
$93.3M
+6.0% YoY
-0.2% QoQ
|
-$162.4M |
$255.7M
+1.1% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
17% |
| Total Deposits ? |
$128.5M
+2.4% YoY
-4.9% QoQ
|
-$199.5M |
$328.0M
+0.1% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
Bottom 14.8% in tier |
| Return on Assets ? |
0.55%
-17.2% YoY
-34.8% QoQ
|
-0.72% |
1.27%
+12.9% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
Bottom 14.3% in tier |
| Net Interest Margin ? |
3.84%
-1.6% YoY
-6.9% QoQ
|
-0.09% |
3.93%
+6.0% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
49% |
| Efficiency Ratio ? |
80.91%
+3.2% YoY
+9.3% QoQ
|
+15.62% |
65.29%
-4.5% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
Bottom 14.4% in tier |
| Delinquency Rate ? |
0.30%
+253.1% YoY
+219.1% QoQ
|
-0.59% |
0.89%
+18.8% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
72.63%
+3.5% YoY
+4.9% QoQ
|
-4.01% |
76.64%
+0.8% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
13.97%
-12.6% YoY
-13.6% QoQ
|
-8.05% |
22.02%
-1.0% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
20% |
| Nonperforming Asset Ratio ? |
0.20%
+261.0% YoY
+232.9% QoQ
|
-0.44% |
0.64%
+19.7% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
60% |
| Tier 1 Capital Ratio ? |
12.98%
+3.2% YoY
+3.5% QoQ
|
-2.85% |
15.83%
+1.5% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
47% |
| Non-Interest Income / Assets ? |
0.07%
+10.5% YoY
-72.9% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
34% |
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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 (3)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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.