BlastPoint's Banking Scorecard

The Hamler State Bank

$100M-$1B Specialty: Agricultural OH FDIC cert 14920

Hamler, OH

2664 banks in the $100M-$1B peer group nationally 98 in OH

The Hamler State Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 5.42% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 1.10% below tier average
- Non-Interest Income / Assets 0.25% below tier average
- ROA 0.23% below tier average
- Delinquency Rate 0.57% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$125.6M +7.7% YoY +3.6% QoQ	-$260.5M	$386.1M +0.5% YoY	$35.8B +10.6% YoY	$6.2B +9.1% YoY	Bottom 7.7% in tier
Total Loans ?	$82.7M +6.9% YoY -0.3% QoQ	-$173.0M	$255.7M +1.1% YoY	$15.7B +12.8% YoY	$3.2B +10.8% YoY	Bottom 12.4% in tier
Total Deposits ?	$108.2M +8.1% YoY +4.7% QoQ	-$219.7M	$328.0M +0.1% YoY	$25.9B +8.5% YoY	$4.8B +8.2% YoY	Bottom 8.0% in tier
Return on Assets ?	1.04% +89.0% YoY +13.7% QoQ	-0.23%	1.27% +12.9% YoY	1.12% +9.9% YoY	1.23% +13.4% YoY	41%
Net Interest Margin ?	2.83% +14.2% YoY +3.4% QoQ	-1.10%	3.93% +6.0% YoY	3.58% +7.5% YoY	3.89% +5.7% YoY	Bottom 7.3% in tier
Efficiency Ratio ?	59.87% -19.8% YoY +20.9% QoQ	-5.42%	65.29% -4.5% YoY	72.65% -4.0% YoY	66.95% -4.1% YoY	60%
Delinquency Rate ?	1.46% -44.9% YoY -3.9% QoQ	+0.57%	0.89% +18.8% YoY	0.65% +14.5% YoY	0.95% +18.8% YoY	19%
Loan-to-Deposit Ratio ?	76.40% -1.1% YoY -4.7% QoQ	-0.24%	76.64% +0.8% YoY	79.14% +0.8% YoY	76.70% +0.9% YoY	54%
Non-Interest-Bearing Deposit Share ?	11.62% +3.6% YoY +2.4% QoQ	-10.40%	22.02% -1.0% YoY	18.08% -0.4% YoY	22.01% -1.2% YoY	Bottom 14.3% in tier
Nonperforming Asset Ratio ?	0.96% -45.2% YoY -13.4% QoQ	+0.32%	0.64% +19.7% YoY	0.44% +14.5% YoY	0.67% +19.3% YoY	20%
Tier 1 Capital Ratio ?	14.02% -2.4% YoY -4.9% QoQ	-1.81%	15.83% +1.5% YoY	19.44% +3.1% YoY	17.06% +0.8% YoY	57%
Non-Interest Income / Assets ?	0.03% +18.2% YoY -71.7% QoQ	-0.25%	0.28% +9.3% YoY	0.57% -2.4% YoY	0.32% +4.1% YoY	Bottom 9.8% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (8 metrics)

2470

Net Interest Margin

profitability

Value: 2.83%

Peer Median: 3.93%

#2470 of 2664 Bottom 7.3% in $100M-$1B

2459

Total Assets

size

Value: $125.59M

Peer Median: $386.08M

#2459 of 2664 Bottom 7.7% in $100M-$1B

2453

Total Deposits

size

Value: $108.25M

Peer Median: $327.97M

#2453 of 2664 Bottom 8.0% in $100M-$1B

2405

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.28%

#2405 of 2664 Bottom 9.8% in $100M-$1B

2335

Total Loans

size

Value: $82.70M

Peer Median: $255.72M

#2335 of 2664 Bottom 12.4% in $100M-$1B

2284

Non-Interest-Bearing Deposit Share

funding

Value: 11.62%

Peer Median: 22.02%

#2284 of 2664 Bottom 14.3% in $100M-$1B

2152

Delinquency Rate

credit_quality

Value: 1.46%

Peer Median: 0.89%

#2152 of 2654 Bottom 19.0% in $100M-$1B

2120

Nonperforming Asset Ratio

credit_quality

Value: 0.96%

Peer Median: 0.64%

#2120 of 2664 Bottom 20.5% in $100M-$1B