BlastPoint's Banking Scorecard
The Antwerp Exchange Bank Company
Antwerp, OH
3 branches across OH · IN
The Antwerp Exchange Bank Company has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.28% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 22.7% in tier
- - Credit Quality Pressure: Bottom 29.6% in tier
- - ROA 0.85% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$162.0M
+3.7% YoY
+2.1% QoQ
|
-$224.1M |
$386.1M
+0.5% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
18% |
| Total Loans ? |
$111.1M
-1.8% YoY
+0.2% QoQ
|
-$144.6M |
$255.7M
+1.1% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
23% |
| Total Deposits ? |
$148.8M
+3.2% YoY
+2.3% QoQ
|
-$179.2M |
$328.0M
+0.1% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
21% |
| Return on Assets ? |
0.41%
-23.6% YoY
-18.3% QoQ
|
-0.85% |
1.27%
+12.9% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
Bottom 10.9% in tier |
| Net Interest Margin ? |
3.95%
+2.6% YoY
+3.9% QoQ
|
+0.02% |
3.93%
+6.0% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
55% |
| Efficiency Ratio ? |
85.11%
+7.8% YoY
+4.2% QoQ
|
+19.82% |
65.29%
-4.5% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
Bottom 10.1% in tier |
| Delinquency Rate ? |
0.61%
+12.5% YoY
-37.7% QoQ
|
-0.28% |
0.89%
+18.8% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
74.66%
-4.8% YoY
-2.0% QoQ
|
-1.98% |
76.64%
+0.8% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
25.18%
+11.3% YoY
+9.3% QoQ
|
+3.16% |
22.02%
-1.0% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
67% |
| Nonperforming Asset Ratio ? |
0.42%
-5.8% YoY
-42.8% QoQ
|
-0.22% |
0.64%
+19.7% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
42% |
| Tier 1 Capital Ratio ? |
13.89%
-0.7% YoY
-3.4% QoQ
|
-1.94% |
15.83%
+1.5% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.13%
+59.7% YoY
-61.5% QoQ
|
-0.15% |
0.28%
+9.3% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
67% |
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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 (2)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
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.