BlastPoint's Banking Scorecard
The Hicksville Bank
Hicksville, OH
5 branches across OH · IN
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 +3.3% year over year ($198.2M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.59%.
- Efficiency ratio 76.53% vs a 64.48% peer average.
- Loan-to-deposit ratio 67.50% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Hicksville Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.92% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 25.1% in tier
- - ROA 0.73% below tier average
- - Net Interest Margin 0.57% below tier average
- - Efficiency Ratio 12.05% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$220.6M
+4.0% YoY
-2.7% QoQ
|
-$166.0M |
$386.6M
+1.2% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
31% |
| Total Loans ? |
$133.8M
+1.4% YoY
-1.5% QoQ
|
-$124.5M |
$258.3M
+1.7% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
30% |
| Total Deposits ? |
$198.2M
+3.3% YoY
-2.8% QoQ
|
-$128.5M |
$326.7M
+0.7% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
34% |
| Return on Assets ? |
0.59%
+4.5% YoY
+5.5% QoQ
|
-0.73% |
1.32%
+10.8% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
Bottom 14.6% in tier |
| Net Interest Margin ? |
3.41%
+5.3% YoY
+1.9% QoQ
|
-0.57% |
3.99%
+5.0% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
24% |
| Efficiency Ratio ? |
76.53%
-0.8% YoY
-0.6% QoQ
|
+12.05% |
64.48%
-3.2% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
18% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.92% |
0.92%
+15.7% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
67.50%
-1.9% YoY
+1.3% QoQ
|
-10.45% |
77.95%
+1.0% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
16.17%
+2.8% YoY
-0.6% QoQ
|
-5.86% |
22.03%
-0.6% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
28% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.67% |
0.67%
+16.4% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
9.37%
-0.1% YoY
-0.1% QoQ
|
-6.54% |
15.91%
+1.4% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
Bottom 3.7% in tier |
| Non-Interest Income / Assets ? |
0.13%
-1.9% YoY
+116.5% QoQ
|
-0.43% |
0.57%
+7.6% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
29% |
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 |
16.2%
+0.4pp YoY -0.1pp QoQ |
-6.0pp | 22.1% | 18.8% | 22.2% | 28% |
| Brokered Deposits |
0.2%
0.0pp YoY 0.0pp QoQ |
-7.7pp | 7.9% | 7.7% | 8.5% | 8% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.3%
-0.4pp YoY -0.2pp QoQ |
-5.3pp | 11.6% | 10.2% | 12.5% | 28% |
| CRE |
30.5%
-0.4pp YoY 0.0pp QoQ |
-9.0pp | 39.5% | 34.2% | 41.4% | 35% |
| 1-4 Family |
30.4%
+3.3pp YoY +0.5pp QoQ |
-2.2pp | 32.6% | 50.0% | 31.3% | 52% |
| Consumer |
0.6%
-0.3pp YoY 0.0pp QoQ |
-3.5pp | 4.1% | 4.7% | 5.0% | 18% |
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 |
9.4%
0.0pp YoY 0.0pp QoQ |
-2.8pp | 12.2% | 12.9% | 12.6% | 18% |
| 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 |
38
-2 (-5.0%) YoY 0 QoQ |
-21 | 58 | 2,433 | 482 | 39% |
| Assets per Employee ($) |
$5.8M
+9.5% YoY -2.7% QoQ |
-$1.7M | $7.5M | $7.6M | $8.8M | 29% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 81 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.6% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 18.95x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.2%
-0.5pp YoY +0.4pp QoQ |
-5.0pp | 12.2% | 9.7% | 11.6% | 22% |
| Cost of Funds (YTD) |
1.8%
-0.2pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.7% | 1.7% | 59% |
| Net Income ($, YTD) |
$651,000
+8.9% YoY — QoQ |
-$1.9M | $2.6M | $259.3M | $40.4M | 15% |
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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)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.