BlastPoint's Banking Scorecard
The First Citizens National Bank of Upper Sandusky
Upper Sandusky, OH
8 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 +4.9% year over year ($327.1M on the books).
- Delinquency rate 0.01%.
- Return on assets 0.48%.
- Efficiency ratio 86.60% vs a 64.48% peer average.
- Loan-to-deposit ratio 74.16% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First Citizens National Bank of Upper Sandusky has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.91% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 34.1% in tier
- - ROA 0.84% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$389.9M
+6.9% YoY
+2.5% QoQ
|
+$3.4M |
$386.6M
+1.2% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
60% |
| Total Loans ? |
$242.5M
+14.4% YoY
+6.2% QoQ
|
-$15.8M |
$258.3M
+1.7% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
57% |
| Total Deposits ? |
$327.1M
+4.9% YoY
+0.2% QoQ
|
+$325K |
$326.7M
+0.7% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
59% |
| Return on Assets ? |
0.48%
-8.3% YoY
+50.3% QoQ
|
-0.84% |
1.32%
+10.8% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
Bottom 11.8% in tier |
| Net Interest Margin ? |
4.02%
+10.3% YoY
+2.0% QoQ
|
+0.03% |
3.99%
+5.0% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
54% |
| Efficiency Ratio ? |
86.60%
+3.3% YoY
-5.1% QoQ
|
+22.13% |
64.48%
-3.2% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
Bottom 8.0% in tier |
| Delinquency Rate ? |
0.01%
-83.4% YoY
-5.8% QoQ
|
-0.91% |
0.92%
+15.7% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
Top 13.4% in tier |
| Loan-to-Deposit Ratio ? |
74.16%
+9.1% YoY
+5.9% QoQ
|
-3.79% |
77.95%
+1.0% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
31.59%
-2.7% YoY
-4.1% QoQ
|
+9.56% |
22.03%
-0.6% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
85% |
| Nonperforming Asset Ratio ? |
0.00%
-82.2% YoY
-2.5% QoQ
|
-0.67% |
0.67%
+16.4% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
Top 12.1% in tier |
| Tier 1 Capital Ratio ? |
12.59%
+0.7% YoY
-0.8% QoQ
|
-3.31% |
15.91%
+1.4% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
43% |
| Non-Interest Income / Assets ? |
0.24%
+4.0% YoY
+106.3% QoQ
|
-0.32% |
0.57%
+7.6% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
62% |
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 |
31.6%
-0.9pp YoY -1.3pp QoQ |
+9.4pp | 22.1% | 18.8% | 22.2% | 85% |
| 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 |
4.4%
-0.7pp YoY -0.2pp QoQ |
-7.1pp | 11.6% | 10.2% | 12.5% | 16% |
| CRE |
52.2%
+0.6pp YoY +1.3pp QoQ |
+12.6pp | 39.5% | 34.2% | 41.4% | 74% |
| 1-4 Family |
26.2%
+1.1pp YoY +0.7pp QoQ |
-6.5pp | 32.6% | 50.0% | 31.3% | 43% |
| Consumer |
0.5%
-0.4pp YoY -0.1pp QoQ |
-3.6pp | 4.1% | 4.7% | 5.0% | 16% |
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 |
12.6%
+0.1pp YoY -0.1pp QoQ |
+0.4pp | 12.2% | 12.9% | 12.6% | 71% |
| 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 |
72
-2 (-2.7%) YoY -3 (-4.0%) QoQ |
+13 | 58 | 2,433 | 482 | 72% |
| Assets per Employee ($) |
$5.4M
+9.9% YoY +6.8% QoQ |
-$2.1M | $7.5M | $7.6M | $8.8M | 21% |
| Branch Count |
8
0 YoY 0 QoQ |
+3 | 4 | 81 | 18 | 82% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.2% | 0.4% | 12% |
| Nonaccrual | n/a | n/a | 0.9% | 0.6% | 1.0% | n/a |
| Allowance Coverage |
165.13x
+397.7% YoY +0.1% QoQ |
+140.98x | 24.15x | 18.95x | 20.23x | 98% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 16% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
4.2%
-0.7pp YoY +1.5pp QoQ |
-7.9pp | 12.2% | 9.7% | 11.6% | 11% |
| Cost of Funds (YTD) |
0.8%
-0.1pp YoY 0.0pp QoQ |
-0.9pp | 1.7% | 1.7% | 1.7% | 7% |
| Net Income ($, YTD) |
$918,000
-6.7% YoY — QoQ |
-$1.6M | $2.6M | $259.3M | $40.4M | 24% |
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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 (1)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.