BlastPoint's Banking Scorecard
The First Central National Bank of St. Paris
Designations: ✓ Community bank
St. Paris, OH
4 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 536 banks in the under $100M peer group nationwide — 1 of 24 in OH.
- Deposits +2.1% year over year ($76.8M on the books).
- Delinquency rate 0.02%.
- Return on assets 0.75%.
- Efficiency ratio 76.84% vs a 119.40% peer average.
- Loan-to-deposit ratio 76.17% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First Central National Bank of St. Paris has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 42.55% below tier average
- + Delinquency Rate 1.46% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.24% below tier average
- - Net Interest Margin 0.09% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$97.0M
+1.4% YoY
-2.0% QoQ
|
+$34.5M |
$62.4M
-0.0% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
Top 3.9% in tier |
| Total Loans ? |
$58.5M
+8.3% YoY
+1.6% QoQ
|
+$23.6M |
$34.9M
-0.6% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
Top 14.4% in tier |
| Total Deposits ? |
$76.8M
+2.1% YoY
-2.8% QoQ
|
+$25.2M |
$51.6M
-0.2% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
Top 13.2% in tier |
| Return on Assets ? |
0.75%
-5.4% YoY
+8.1% QoQ
|
-0.24% |
1.00%
+3.5% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
38% |
| Net Interest Margin ? |
3.82%
-0.6% YoY
+2.7% QoQ
|
-0.09% |
3.91%
+2.3% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
47% |
| Efficiency Ratio ? |
76.84%
+1.9% YoY
-1.3% QoQ
|
-42.55% |
119.40%
+49.6% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
39% |
| Delinquency Rate ? |
0.02%
-38.4% YoY
-18.0% QoQ
|
-1.46% |
1.48%
+31.8% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
76.17%
+6.1% YoY
+4.5% QoQ
|
+1.96% |
74.21%
+12.6% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
14.81%
-2.9% YoY
+1.1% QoQ
|
-8.68% |
23.49%
+0.6% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
23% |
| Nonperforming Asset Ratio ? |
0.01%
-34.2% YoY
-14.9% QoQ
|
-0.83% |
0.84%
+23.0% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
70% |
| Tier 1 Capital Ratio ? |
29.75%
-5.5% YoY
+4.0% QoQ
|
+2.63% |
27.13%
+3.0% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
Top 14.6% in tier |
| Non-Interest Income / Assets ? |
0.21%
+9.8% YoY
+102.2% QoQ
|
-1.17% |
1.38%
+6.3% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
73% |
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 |
14.8%
-0.4pp YoY +0.2pp QoQ |
-9.8pp | 24.6% | 18.8% | 22.2% | 19% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
4.3%
+0.1pp YoY -0.6pp QoQ |
-9.1pp | 13.4% | 10.2% | 12.5% | 16% |
| CRE | n/a | n/a | 25.2% | 34.2% | 41.4% | n/a |
| 1-4 Family |
31.7%
+0.2pp YoY -1.0pp QoQ |
-3.3pp | 35.0% | 50.0% | 31.3% | 51% |
| Consumer |
2.5%
-0.1pp YoY 0.0pp QoQ |
-5.2pp | 7.7% | 4.7% | 5.0% | 26% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
29.8%
-1.7pp YoY +1.1pp QoQ |
-8.9pp | 38.7% | 22.1% | 19.7% | 74% |
| Leverage Ratio |
18.9%
-0.8pp YoY -0.1pp QoQ |
+1.2pp | 17.7% | 12.9% | 12.6% | 83% |
| Total Capital Ratio |
30.6%
-1.7pp YoY +1.2pp QoQ |
-9.1pp | 39.7% | 23.2% | 20.8% | 72% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
24
0 YoY +2 (+9.1%) QoQ |
+12 | 12 | 2,433 | 482 | 94% |
| Assets per Employee ($) |
$4.0M
+1.4% YoY -10.2% QoQ |
-$2.1M | $6.2M | $7.6M | $8.8M | 20% |
| Branch Count |
4
0 YoY 0 QoQ |
+2 | 1 | 81 | 18 | 96% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.0%
0.0pp YoY 0.0pp QoQ |
-1.7pp | 1.7% | 0.6% | 1.0% | 1% |
| Allowance Coverage |
49.00x
+51.5% YoY +20.0% QoQ |
+42.59x | 6.41x | 18.95x | 20.23x | 98% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
4.0%
-0.1pp YoY +0.3pp QoQ |
-2.4pp | 6.4% | 9.7% | 11.6% | 27% |
| Cost of Funds (YTD) |
1.1%
+0.1pp YoY 0.0pp QoQ |
-0.3pp | 1.4% | 1.7% | 1.7% | 33% |
| Net Income ($, YTD) |
$370,000
-2.1% YoY — QoQ |
+$52K | $317,817 | $259.3M | $40.4M | 60% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.