BlastPoint's Banking Scorecard
First National Bank in New Bremen
New Bremen, OH
6 branches across OH
First National Bank in New Bremen has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.07% above tier average
- + Efficiency Ratio 13.40% below tier average
- + Delinquency Rate 0.72% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 48.2% in tier
- - Net Interest Margin 1.28% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$457.2M
+1.3% YoY
+0.4% QoQ
|
+$71.1M |
$386.1M
+0.5% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
68% |
| Total Loans ? |
$149.3M
-0.7% YoY
+0.2% QoQ
|
-$106.4M |
$255.7M
+1.1% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
36% |
| Total Deposits ? |
$409.5M
+0.2% YoY
+0.3% QoQ
|
+$81.6M |
$328.0M
+0.1% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
71% |
| Return on Assets ? |
1.34%
-4.7% YoY
-4.4% QoQ
|
+0.07% |
1.27%
+12.9% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
58% |
| Net Interest Margin ? |
2.65%
+1.0% YoY
-2.8% QoQ
|
-1.28% |
3.93%
+6.0% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 4.8% in tier |
| Efficiency Ratio ? |
51.89%
+0.8% YoY
+5.5% QoQ
|
-13.40% |
65.29%
-4.5% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
81% |
| Delinquency Rate ? |
0.17%
-8.9% YoY
-5.0% QoQ
|
-0.72% |
0.89%
+18.8% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
36.46%
-0.9% YoY
-0.1% QoQ
|
-40.18% |
76.64%
+0.8% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
Top 3.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.66%
-6.9% YoY
-6.2% QoQ
|
-4.36% |
22.02%
-1.0% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
35% |
| Nonperforming Asset Ratio ? |
0.06%
-10.7% YoY
-5.2% QoQ
|
-0.58% |
0.64%
+19.7% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
77% |
| Tier 1 Capital Ratio ? |
30.46%
+8.8% YoY
+2.1% QoQ
|
+14.63% |
15.83%
+1.5% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
Top 3.6% in tier |
| Non-Interest Income / Assets ? |
0.07%
+31.3% YoY
-70.9% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
33% |
Get Full Access to First National Bank in New Bremen
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.