BlastPoint's Banking Scorecard
The Genoa Banking Company
Genoa, OH
9 branches across OH
The Genoa Banking Company has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 17.2% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 2.1% in tier
- - Credit Risk Growth: Bottom 33.3% in tier
- - Capital Thin: Bottom 49.9% in tier
- - ROA 0.52% below tier average
- - Net Interest Margin 0.17% below tier average
- - Efficiency Ratio 8.12% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$731.3M
+4.1% YoY
+1.4% QoQ
|
+$345.2M |
$386.1M
+0.5% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
Top 11.0% in tier |
| Total Loans ? |
$548.9M
+9.4% YoY
+2.7% QoQ
|
+$293.2M |
$255.7M
+1.1% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
Top 8.1% in tier |
| Total Deposits ? |
$651.0M
+3.0% YoY
+1.2% QoQ
|
+$323.0M |
$328.0M
+0.1% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
Top 9.6% in tier |
| Return on Assets ? |
0.75%
+47.8% YoY
+2.0% QoQ
|
-0.52% |
1.27%
+12.9% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
23% |
| Net Interest Margin ? |
3.76%
+12.7% YoY
+6.8% QoQ
|
-0.17% |
3.93%
+6.0% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
45% |
| Efficiency Ratio ? |
73.41%
-6.4% YoY
+1.3% QoQ
|
+8.12% |
65.29%
-4.5% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
25% |
| Delinquency Rate ? |
0.02%
+69.7% YoY
+80.8% QoQ
|
-0.87% |
0.89%
+18.8% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
84% |
| Loan-to-Deposit Ratio ? |
84.32%
+6.2% YoY
+1.5% QoQ
|
+7.68% |
76.64%
+0.8% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
23.11%
+0.1% YoY
-0.5% QoQ
|
+1.09% |
22.02%
-1.0% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
59% |
| Nonperforming Asset Ratio ? |
0.02%
+78.4% YoY
+83.2% QoQ
|
-0.62% |
0.64%
+19.7% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
85% |
| Tier 1 Capital Ratio ? |
10.83%
+1.3% YoY
-0.1% QoQ
|
-5.00% |
15.83%
+1.5% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
21% |
| Non-Interest Income / Assets ? |
0.12%
+31.5% YoY
-72.5% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
62% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (3)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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.