BlastPoint's Banking Scorecard
Greenville Federal
Greenville, OH
4 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 +3.2% year over year ($240.8M on the books).
- Delinquency rate 0.10%.
- Return on assets 0.18%.
- Efficiency ratio 94.22% vs a 64.48% peer average.
- Loan-to-deposit ratio 86.79% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Greenville Federal has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.82% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.14% below tier average
- - Efficiency Ratio 29.74% above tier average
- - Net Interest Margin 0.71% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$263.9M
+0.9% YoY
+0.3% QoQ
|
-$122.7M |
$386.6M
+1.2% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
39% |
| Total Loans ? |
$209.0M
-2.1% YoY
-2.7% QoQ
|
-$49.3M |
$258.3M
+1.7% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
50% |
| Total Deposits ? |
$240.8M
+3.2% YoY
+0.5% QoQ
|
-$85.9M |
$326.7M
+0.7% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
43% |
| Return on Assets ? |
0.18%
+445.5% YoY
+15.9% QoQ
|
-1.14% |
1.32%
+10.8% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
Bottom 5.4% in tier |
| Net Interest Margin ? |
3.28%
+7.4% YoY
+0.5% QoQ
|
-0.71% |
3.99%
+5.0% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
19% |
| Efficiency Ratio ? |
94.22%
-6.3% YoY
-0.3% QoQ
|
+29.74% |
64.48%
-3.2% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
Bottom 3.5% in tier |
| Delinquency Rate ? |
0.10%
-79.2% YoY
+23.1% QoQ
|
-0.82% |
0.92%
+15.7% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
86.79%
-5.1% YoY
-3.3% QoQ
|
+8.84% |
77.95%
+1.0% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
16.40%
-6.1% YoY
+2.7% QoQ
|
-5.63% |
22.03%
-0.6% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
29% |
| Nonperforming Asset Ratio ? |
0.41%
+8.2% YoY
+2.8% QoQ
|
-0.26% |
0.67%
+16.4% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
44% |
| Tier 1 Capital Ratio ? |
11.16%
+6.1% YoY
+4.9% QoQ
|
-4.74% |
15.91%
+1.4% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
25% |
| Non-Interest Income / Assets ? |
0.28%
-6.5% YoY
+115.2% QoQ
|
-0.29% |
0.57%
+7.6% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
68% |
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 |
16.4%
-1.1pp YoY +0.4pp QoQ |
-5.7pp | 22.1% | 18.8% | 22.2% | 29% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
14.2%
+0.4pp YoY +0.2pp QoQ |
+2.7pp | 11.6% | 10.2% | 12.5% | 73% |
| CRE |
20.3%
-2.4pp YoY -2.3pp QoQ |
-19.3pp | 39.5% | 34.2% | 41.4% | 19% |
| 1-4 Family |
64.3%
+1.5pp YoY +1.9pp QoQ |
+31.7pp | 32.6% | 50.0% | 31.3% | 92% |
| Consumer |
0.8%
-0.1pp YoY +0.1pp QoQ |
-3.4pp | 4.1% | 4.7% | 5.0% | 23% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.2%
+0.6pp YoY +0.5pp QoQ |
-7.7pp | 18.8% | 22.1% | 19.7% | 9% |
| Leverage Ratio |
7.8%
0.0pp YoY +0.1pp QoQ |
-4.4pp | 12.2% | 12.9% | 12.6% | 1% |
| Total Capital Ratio |
12.1%
+0.7pp YoY +0.5pp QoQ |
-7.9pp | 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 |
45
-4 (-8.2%) YoY +1 (+2.3%) QoQ |
-14 | 58 | 2,433 | 482 | 47% |
| Assets per Employee ($) |
$5.9M
+9.9% YoY -1.9% QoQ |
-$1.7M | $7.5M | $7.6M | $8.8M | 31% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 81 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.2% | 0.4% | 20% |
| Nonaccrual |
0.1%
-0.4pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 0.6% | 1.0% | 16% |
| Allowance Coverage |
8.50x
+389.8% YoY -16.8% QoQ |
-15.65x | 24.15x | 18.95x | 20.23x | 79% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 47% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
2.4%
+3.1pp YoY +0.3pp QoQ |
-9.8pp | 12.2% | 9.7% | 11.6% | 7% |
| Cost of Funds (YTD) |
1.8%
-0.1pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.7% | 1.7% | 59% |
| Net Income ($, YTD) |
$245,000
+455.1% YoY — QoQ |
-$2.3M | $2.6M | $259.3M | $40.4M | 6% |
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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.