BlastPoint's Banking Scorecard
Bank419
Designations: ✓ Community bank
Metamora, OH
3 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 +1.6% year over year ($89.0M on the books).
- Delinquency rate 1.44%.
- Return on assets 0.58%.
- Efficiency ratio 84.25% vs a 119.40% peer average.
- Loan-to-deposit ratio 76.40% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank419 has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.65% above tier average
- + Efficiency Ratio 35.14% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.42% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$98.3M
-0.1% YoY
-1.8% QoQ
|
+$35.9M |
$62.4M
-0.0% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
Top 1.9% in tier |
| Total Loans ? |
$68.0M
-4.8% YoY
-2.7% QoQ
|
+$33.1M |
$34.9M
-0.6% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
Top 7.1% in tier |
| Total Deposits ? |
$89.0M
+1.6% YoY
+0.1% QoQ
|
+$37.4M |
$51.6M
-0.2% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
Top 0.6% in tier |
| Return on Assets ? |
0.58%
+20.4% YoY
-6.3% QoQ
|
-0.42% |
1.00%
+3.5% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
29% |
| Net Interest Margin ? |
4.56%
+2.7% YoY
+3.9% QoQ
|
+0.65% |
3.91%
+2.3% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
76% |
| Efficiency Ratio ? |
84.25%
+0.0% YoY
+3.1% QoQ
|
-35.14% |
119.40%
+49.6% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
24% |
| Delinquency Rate ? |
1.44%
+3.1% QoQ
|
-0.04% |
1.48%
+31.8% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
76.40%
-6.2% YoY
-2.8% QoQ
|
+2.19% |
74.21%
+12.6% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
33.99%
-5.3% YoY
+3.3% QoQ
|
+10.50% |
23.49%
+0.6% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
83% |
| Nonperforming Asset Ratio ? |
1.00%
+2.2% QoQ
|
+0.16% |
0.84%
+23.0% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
24% |
| Tier 1 Capital Ratio ? |
13.61%
+4.8% YoY
+3.6% QoQ
|
-13.51% |
27.13%
+3.0% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
37% |
| Non-Interest Income / Assets ? |
0.25%
+12.7% YoY
+112.5% QoQ
|
-1.13% |
1.38%
+6.3% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
77% |
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 |
34.0%
-1.9pp YoY +1.1pp QoQ |
+9.3pp | 24.6% | 18.8% | 22.2% | 82% |
| Brokered Deposits |
2.8%
0.0pp QoQ |
-7.0pp | 9.8% | 7.7% | 8.5% | 26% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
9.9%
+1.7pp YoY +1.3pp QoQ |
-3.5pp | 13.4% | 10.2% | 12.5% | 50% |
| CRE |
20.1%
-1.5pp YoY -1.7pp QoQ |
-5.2pp | 25.2% | 34.2% | 41.4% | 51% |
| 1-4 Family |
50.7%
+2.5pp YoY +1.6pp QoQ |
+15.7pp | 35.0% | 50.0% | 31.3% | 72% |
| Consumer |
2.0%
-0.2pp YoY -0.1pp QoQ |
-5.7pp | 7.7% | 4.7% | 5.0% | 22% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.6%
+0.6pp YoY +0.5pp QoQ |
-25.1pp | 38.7% | 22.1% | 19.7% | 12% |
| Leverage Ratio |
9.3%
0.0pp YoY +0.2pp QoQ |
-8.4pp | 17.7% | 12.9% | 12.6% | 12% |
| Total Capital Ratio |
14.9%
+0.6pp YoY +0.5pp QoQ |
-24.8pp | 39.7% | 23.2% | 20.8% | 14% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
25
+3 (+13.6%) YoY +2 (+8.7%) QoQ |
+13 | 12 | 2,433 | 482 | 95% |
| Assets per Employee ($) |
$3.9M
-12.1% YoY -9.7% QoQ |
-$2.3M | $6.2M | $7.6M | $8.8M | 18% |
| Branch Count |
3
0 YoY 0 QoQ |
+1 | 1 | 81 | 18 | 89% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
-1.2pp QoQ |
-0.8pp | 1.0% | 0.2% | 0.4% | 33% |
| Nonaccrual |
1.3%
+1.2pp YoY |
-0.5pp | 1.7% | 0.6% | 1.0% | 62% |
| Allowance Coverage |
0.91x
-95.1% YoY -0.3% QoQ |
-5.51x | 6.41x | 18.95x | 20.23x | 40% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.1% | 0.2% | 40% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.8%
+0.9pp YoY -0.5pp QoQ |
+0.4pp | 6.4% | 9.7% | 11.6% | 41% |
| Cost of Funds (YTD) |
0.9%
+0.1pp YoY -0.1pp QoQ |
-0.6pp | 1.4% | 1.7% | 1.7% | 19% |
| Net Income ($, YTD) |
$290,000
+25.5% YoY — QoQ |
-$28K | $317,817 | $259.3M | $40.4M | 50% |
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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.