BlastPoint's Banking Scorecard

Huntington Federal Savings Bank

$100M-$1B Specialty: Mortgage WV FDIC cert 27884

Designations: ✓ Mutual

Huntington, WV

5 branches across WV

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 32 in WV.
Deposits -1.9% year over year ($422.4M on the books).
Delinquency rate 0.30%.
Return on assets -0.38%.
Efficiency ratio 134.83% vs a 64.48% peer average.
Loan-to-deposit ratio 68.39% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 32 in WV

View $100M-$1B leaderboard (WV) →

Huntington Federal Savings Bank has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.62% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 49.4% in tier
- Return on Assets 1.70% below tier average
- Net Interest Margin 2.49% below tier average
- Efficiency Ratio 70.35% above tier average
- Non-Interest-Bearing Deposit Share 18.55% below tier average
- Non-Interest Income / Assets 0.53% below tier average

Get updates when Huntington Federal Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Total Assets ?	$532.3M -4.4% YoY -1.2% QoQ	+$145.7M	$386.6M +1.2% YoY	$1.3B +5.7% YoY	$6.3B +7.7% YoY	75%
Total Loans ?	$288.9M +2.0% YoY -0.6% QoQ	+$30.6M	$258.3M +1.7% YoY	$899.3M +7.6% YoY	$3.2B +9.4% YoY	65%
Total Deposits ?	$422.4M -1.9% YoY -0.5% QoQ	+$95.7M	$326.7M +0.7% YoY	$1.1B +6.2% YoY	$4.9B +7.3% YoY	72%
Return on Assets ?	-0.38% +36.2% YoY +16.2% QoQ	-1.70%	1.32% +10.8% YoY	1.06% +30.6% YoY	1.30% +12.1% YoY	Bottom 2.0% in tier
Net Interest Margin ?	1.50% +36.8% YoY +1.2% QoQ	-2.49%	3.99% +5.0% YoY	3.90% +8.7% YoY	3.95% +4.9% YoY	Bottom 0.3% in tier
Efficiency Ratio ?	134.83% -22.8% YoY -5.7% QoQ	+70.35%	64.48% -3.2% YoY	68.34% -7.3% YoY	70.05% +2.5% YoY	Bottom 0.7% in tier
Delinquency Rate ?	0.30% -40.8% YoY +39.9% QoQ	-0.62%	0.92% +15.7% YoY	0.74% +17.9% YoY	0.98% +16.3% YoY	58%
Loan-to-Deposit Ratio ?	68.39% +3.9% YoY -0.2% QoQ	-9.56%	77.95% +1.0% YoY	79.72% +2.0% YoY	79.03% +2.3% YoY	72%
Non-Interest-Bearing Deposit Share ?	3.48% -2.2% YoY -0.6% QoQ	-18.55%	22.03% -0.6% YoY	26.43% -1.4% YoY	21.98% -0.6% YoY	Bottom 2.4% in tier
Nonperforming Asset Ratio ?	0.20% -27.6% YoY +25.4% QoQ	-0.47%	0.67% +16.4% YoY	0.55% +10.4% YoY	0.69% +15.8% YoY	61%
Tier 1 Capital Ratio ?	15.07% -0.6% YoY +0.7% QoQ	-0.84%	15.91% +1.4% YoY	14.02% -0.7% YoY	17.09% +0.8% YoY	66%
Non-Interest Income / Assets ?	0.04% +107.2% YoY +865.9% QoQ	-0.53%	0.57% +7.6% YoY	0.30% +5.9% YoY	0.66% +5.2% YoY	Bottom 3.9% in tier

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 (WV)	National Avg	Tier Percentile
Noninterest-Bearing	3.5% -0.1pp YoY 0.0pp QoQ	-18.7pp	22.1%	27.1%	22.2%	2%
Brokered Deposits	n/a	n/a	7.9%	3.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
C&I	n/a	n/a	11.6%	7.1%	12.5%	n/a
CRE	16.0% -0.1pp YoY +0.1pp QoQ	-23.5pp	39.5%	33.8%	41.4%	12%
1-4 Family	84.4% +0.2pp YoY 0.0pp QoQ	+51.8pp	32.6%	52.8%	31.3%	97%
Consumer	0.4% -0.1pp YoY 0.0pp QoQ	-3.7pp	4.1%	7.9%	5.0%	14%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	17.1%	19.7%	n/a
Leverage Ratio	15.1% -0.1pp YoY +0.1pp QoQ	+2.9pp	12.2%	11.6%	12.6%	87%
Total Capital Ratio	n/a	n/a	19.9%	18.1%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Full-Time Employees	98 0 YoY -1 (-1.0%) QoQ	+39	58	161	482	86%
Assets per Employee ($)	$5.4M -4.4% YoY -0.2% QoQ	-$2.1M	$7.5M	$6.1M	$8.8M	21%
Branch Count	5 0 YoY 0 QoQ	0	4	13	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	0.3% -0.2pp YoY +0.1pp QoQ	-0.6pp	0.9%	0.7%	1.0%	38%
Allowance Coverage	2.76x +63.9% YoY -28.9% QoQ	-21.39x	24.15x	6.60x	20.23x	56%
Net Charge-off Rate (YTD)	0.0% +0.1pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	52%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
ROE	-2.5% +1.3pp YoY +0.5pp QoQ	-14.7pp	12.2%	10.6%	11.6%	2%
Cost of Funds (YTD)	2.2% -0.2pp YoY 0.0pp QoQ	+0.5pp	1.7%	1.5%	1.7%	82%
Net Income ($, YTD)	$-1032000.0 +37.4% YoY — QoQ	-$3.6M	$2.6M	$9.0M	$40.4M	2%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Deposit Outflow

decline

#265 of 535 • Bottom 49.4% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

2637

Net Interest Margin

profitability

Value: 1.50%

Peer Median: 3.99%

#2637 of 2643 Bottom 0.3% in $100M-$1B

2626

Efficiency Ratio

profitability

Value: 134.83%

Peer Median: 64.48%

#2626 of 2643 Bottom 0.7% in $100M-$1B

2590

Return on Assets

profitability

Value: -0.38%

Peer Median: 1.32%

#2590 of 2643 Bottom 2.0% in $100M-$1B

2580

Non-Interest-Bearing Deposit Share

funding

Value: 3.48%

Peer Median: 22.03%

#2580 of 2643 Bottom 2.4% in $100M-$1B

2540

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.57%

#2540 of 2643 Bottom 3.9% in $100M-$1B