BlastPoint's Banking Scorecard
Bank419
Metamora, OH
3 branches across OH
Bank419 has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.46% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 47.1% in tier
- - ROA 0.65% below tier average
- - Delinquency Rate 0.51% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$100.2M
+6.4% YoY
-1.1% QoQ
|
-$285.9M |
$386.1M
+0.5% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
Bottom 0.1% in tier |
| Total Loans ? |
$69.9M
-0.2% YoY
-1.5% QoQ
|
-$185.8M |
$255.7M
+1.1% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
Bottom 7.5% in tier |
| Total Deposits ? |
$88.9M
+8.2% YoY
-0.1% QoQ
|
-$239.1M |
$328.0M
+0.1% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
Bottom 2.2% in tier |
| Return on Assets ? |
0.62%
+70.2% YoY
+24.6% QoQ
|
-0.65% |
1.27%
+12.9% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
17% |
| Net Interest Margin ? |
4.39%
-0.8% YoY
-2.1% QoQ
|
+0.46% |
3.93%
+6.0% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
77% |
| Efficiency Ratio ? |
81.70%
-7.5% YoY
-3.3% QoQ
|
+16.42% |
65.29%
-4.5% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
Bottom 13.3% in tier |
| Delinquency Rate ? |
1.40%
+593.0% QoQ
|
+0.51% |
0.89%
+18.8% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
78.63%
-7.8% YoY
-1.4% QoQ
|
+1.99% |
76.64%
+0.8% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
32.91%
-3.4% YoY
-0.6% QoQ
|
+10.89% |
22.02%
-1.0% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
Top 12.7% in tier |
| Nonperforming Asset Ratio ? |
0.97%
+589.8% QoQ
|
+0.34% |
0.64%
+19.7% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
20% |
| Tier 1 Capital Ratio ? |
13.14%
-1.9% YoY
+2.9% QoQ
|
-2.69% |
15.83%
+1.5% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
49% |
| Non-Interest Income / Assets ? |
0.12%
+3.9% YoY
-73.3% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
61% |
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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 (1)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.