BlastPoint's Banking Scorecard
The Hamler State Bank
$100M-$1B
Specialty: Commercial
OH
FDIC cert 14920
Hamler, 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 +5.9% year over year ($107.4M on the books).
- Delinquency rate 1.40%.
- Return on assets 1.27%.
- Efficiency ratio 54.06% vs a 64.48% peer average.
- Loan-to-deposit ratio 80.13% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
2643
banks in the $100M-$1B peer group nationally
96 in OH
View $100M-$1B leaderboard (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 10.42% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.05% below tier average
- - Non-Interest Income / Assets 0.50% below tier average
- - ROA 0.06% below tier average
- - Delinquency Rate 0.48% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$125.3M
+6.2% YoY
-0.2% QoQ
|
-$261.3M |
$386.6M
+1.2% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
Bottom 7.2% in tier |
| Total Loans ? |
$86.0M
+6.3% YoY
+4.0% QoQ
|
-$172.3M |
$258.3M
+1.7% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
Bottom 12.9% in tier |
| Total Deposits ? |
$107.4M
+5.9% YoY
-0.8% QoQ
|
-$219.4M |
$326.7M
+0.7% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
Bottom 7.9% in tier |
| Return on Assets ? |
1.27%
+137.8% YoY
+21.3% QoQ
|
-0.06% |
1.32%
+10.8% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
51% |
| Net Interest Margin ? |
2.93%
+13.8% YoY
+3.5% QoQ
|
-1.05% |
3.99%
+5.0% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
Bottom 8.2% in tier |
| Efficiency Ratio ? |
54.06%
-8.5% YoY
-9.7% QoQ
|
-10.42% |
64.48%
-3.2% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
74% |
| Delinquency Rate ? |
1.40%
-49.3% YoY
-4.3% QoQ
|
+0.48% |
0.92%
+15.7% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
80.13%
+0.4% YoY
+4.9% QoQ
|
+2.18% |
77.95%
+1.0% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
11.36%
+9.5% YoY
-2.2% QoQ
|
-10.67% |
22.03%
-0.6% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
Bottom 13.4% in tier |
| Nonperforming Asset Ratio ? |
0.96%
-49.2% YoY
-0.2% QoQ
|
+0.29% |
0.67%
+16.4% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
21% |
| Tier 1 Capital Ratio ? |
14.34%
-1.0% YoY
+2.3% QoQ
|
-1.56% |
15.91%
+1.4% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.06%
+9.4% YoY
+88.6% QoQ
|
-0.50% |
0.57%
+7.6% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
Bottom 8.2% in tier |
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 |
11.4%
+1.0pp YoY -0.3pp QoQ |
-10.8pp | 22.1% | 18.8% | 22.2% | 13% |
| 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 |
5.8%
-2.5pp YoY +0.2pp QoQ |
-5.8pp | 11.6% | 10.2% | 12.5% | 24% |
| CRE |
45.0%
+0.8pp QoQ |
+5.4pp | 39.5% | 34.2% | 41.4% | 62% |
| 1-4 Family |
23.6%
+0.6pp YoY -0.2pp QoQ |
-9.0pp | 32.6% | 50.0% | 31.3% | 38% |
| Consumer |
1.9%
-0.2pp YoY -0.1pp QoQ |
-2.3pp | 4.1% | 4.7% | 5.0% | 45% |
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 |
14.3%
-0.2pp YoY +0.3pp QoQ |
+2.2pp | 12.2% | 12.9% | 12.6% | 83% |
| 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 |
9
+1 (+12.5%) YoY 0 QoQ |
-50 | 58 | 2,433 | 482 | 0% |
| Assets per Employee ($) |
$13.9M
-5.6% YoY -0.2% QoQ |
+$6.4M | $7.5M | $7.6M | $8.8M | 96% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 81 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
1.4%
-1.1pp YoY -0.1pp QoQ |
+0.5pp | 0.9% | 0.6% | 1.0% | 80% |
| Allowance Coverage |
0.82x
+43.6% YoY +3.4% QoQ |
-23.34x | 24.15x | 18.95x | 20.23x | 21% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.4%
+5.5pp YoY +1.6pp QoQ |
-2.8pp | 12.2% | 9.7% | 11.6% | 32% |
| Cost of Funds (YTD) |
2.1%
-0.2pp YoY 0.0pp QoQ |
+0.4pp | 1.7% | 1.7% | 1.7% | 75% |
| Net Income ($, YTD) |
$785,000
+154.0% YoY — QoQ |
-$1.8M | $2.6M | $259.3M | $40.4M | 19% |
Get Full Access to The Hamler State Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
$250B+
12 performance metrics with tier, state, and national benchmarks
Signature behaviors (strengths & concerns)
Metric and signature rankings across 4,287 FDIC-insured banks
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 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).
Top Strengths (0 metrics)
No strength rankings available
Top Weaknesses (8 metrics)
2454
Total Assets
size
Value:
$125.28M
Peer Median: $386.57M
#2454 of 2643
Bottom 7.2% in $100M-$1B
2436
Total Deposits
size
Value:
$107.35M
Peer Median: $326.73M
#2436 of 2643
Bottom 7.9% in $100M-$1B
2428
Non-Interest Income / Assets
revenue_mix
Value:
0.06%
Peer Median: 0.57%
#2428 of 2643
Bottom 8.2% in $100M-$1B
2428
Net Interest Margin
profitability
Value:
2.93%
Peer Median: 3.99%
#2428 of 2643
Bottom 8.2% in $100M-$1B
2302
Total Loans
size
Value:
$86.02M
Peer Median: $258.35M
#2302 of 2643
Bottom 12.9% in $100M-$1B
2291
Non-Interest-Bearing Deposit Share
funding
Value:
11.36%
Peer Median: 22.03%
#2291 of 2643
Bottom 13.4% in $100M-$1B
2110
Delinquency Rate
credit_quality
Value:
1.40%
Peer Median: 0.92%
#2110 of 2633
Bottom 19.9% in $100M-$1B
2082
Nonperforming Asset Ratio
credit_quality
Value:
0.96%
Peer Median: 0.67%
#2082 of 2643
Bottom 21.3% in $100M-$1B