BlastPoint's Banking Scorecard
The Genoa Banking Company
Genoa, OH
9 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in OH.
- Deposits +4.3% year over year ($664.7M on the books).
- Delinquency rate 0.01%.
- Return on assets 0.85%.
- Efficiency ratio 71.51% vs a 64.48% peer average.
- Loan-to-deposit ratio 84.89% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Genoa Banking Company has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 25.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.48% below tier average
- - Net Interest Margin 0.09% below tier average
- - Efficiency Ratio 7.03% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$747.8M
+4.7% YoY
+2.3% QoQ
|
+$361.3M |
$386.6M
+1.2% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
Top 10.2% in tier |
| Total Loans ? |
$564.2M
+9.6% YoY
+2.8% QoQ
|
+$305.9M |
$258.3M
+1.7% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
Top 7.4% in tier |
| Total Deposits ? |
$664.7M
+4.3% YoY
+2.1% QoQ
|
+$338.0M |
$326.7M
+0.7% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
Top 8.6% in tier |
| Return on Assets ? |
0.85%
+32.5% YoY
+12.6% QoQ
|
-0.48% |
1.32%
+10.8% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
26% |
| Net Interest Margin ? |
3.89%
+15.0% YoY
+3.4% QoQ
|
-0.09% |
3.99%
+5.0% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
47% |
| Efficiency Ratio ? |
71.51%
-4.5% YoY
-2.6% QoQ
|
+7.03% |
64.48%
-3.2% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
27% |
| Delinquency Rate ? |
0.01%
-34.7% YoY
-47.6% QoQ
|
-0.91% |
0.92%
+15.7% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
Top 14.6% in tier |
| Loan-to-Deposit Ratio ? |
84.89%
+5.1% YoY
+0.7% QoQ
|
+6.94% |
77.95%
+1.0% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
24.44%
+4.5% YoY
+5.8% QoQ
|
+2.41% |
22.03%
-0.6% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
64% |
| Nonperforming Asset Ratio ? |
0.01%
-31.6% YoY
-47.3% QoQ
|
-0.66% |
0.67%
+16.4% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
Top 13.6% in tier |
| Tier 1 Capital Ratio ? |
10.95%
+2.8% YoY
+1.1% QoQ
|
-4.96% |
15.91%
+1.4% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
22% |
| Non-Interest Income / Assets ? |
0.24%
+16.4% YoY
+102.3% QoQ
|
-0.33% |
0.57%
+7.6% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
61% |
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 |
24.4%
+1.1pp YoY +1.3pp QoQ |
+2.3pp | 22.1% | 18.8% | 22.2% | 64% |
| Brokered Deposits |
8.1%
+0.9pp YoY +0.3pp QoQ |
+0.3pp | 7.9% | 7.7% | 8.5% | 69% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.0%
-1.0pp YoY +0.2pp QoQ |
-6.5pp | 11.6% | 10.2% | 12.5% | 20% |
| CRE |
39.6%
+1.8pp YoY -0.4pp QoQ |
+0.1pp | 39.5% | 34.2% | 41.4% | 52% |
| 1-4 Family |
44.9%
0.0pp YoY +0.4pp QoQ |
+12.2pp | 32.6% | 50.0% | 31.3% | 77% |
| Consumer |
5.1%
-0.8pp YoY -0.3pp QoQ |
+1.0pp | 4.1% | 4.7% | 5.0% | 77% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
10.9%
+0.3pp YoY +0.1pp QoQ |
-7.9pp | 18.8% | 22.1% | 19.7% | 7% |
| Leverage Ratio |
7.6%
+0.4pp YoY 0.0pp QoQ |
-4.6pp | 12.2% | 12.9% | 12.6% | 1% |
| Total Capital Ratio |
12.1%
+0.3pp YoY +0.1pp QoQ |
-7.8pp | 19.9% | 23.2% | 20.8% | 8% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
134
+10 (+8.1%) YoY +5 (+3.9%) QoQ |
+75 | 58 | 2,433 | 482 | 96% |
| Assets per Employee ($) |
$5.6M
-3.1% YoY -1.6% QoQ |
-$1.9M | $7.5M | $7.6M | $8.8M | 24% |
| Branch Count |
9
0 YoY 0 QoQ |
+4 | 4 | 81 | 18 | 86% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 0.6% | 1.0% | 3% |
| Allowance Coverage |
92.46x
+54.9% YoY +88.9% QoQ |
+68.31x | 24.15x | 18.95x | 20.23x | 96% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 64% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.6%
+2.1pp YoY +1.3pp QoQ |
-0.6pp | 12.2% | 9.7% | 11.6% | 47% |
| Cost of Funds (YTD) |
2.0%
-0.2pp YoY 0.0pp QoQ |
+0.3pp | 1.7% | 1.7% | 1.7% | 71% |
| Net Income ($, YTD) |
$3.1M
+39.5% YoY — QoQ |
+$545K | $2.6M | $259.3M | $40.4M | 71% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.