BlastPoint's Banking Scorecard

Greenville Federal

$100M-$1B Specialty: Commercial OH FDIC cert 27965

Greenville, OH

4 branches across OH

2664 banks in the $100M-$1B peer group nationally 98 in OH

Greenville Federal has 1 strength but faces 4 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 0.81% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 38.3% in tier
- Return on Assets 1.11% below tier average
- Efficiency Ratio 29.22% above tier average
- Net Interest Margin 0.67% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$263.1M +2.9% YoY -2.3% QoQ	-$123.0M	$386.1M +0.5% YoY	$35.8B +10.6% YoY	$6.2B +9.1% YoY	40%
Total Loans ?	$214.9M +3.5% YoY -2.8% QoQ	-$40.8M	$255.7M +1.1% YoY	$15.7B +12.8% YoY	$3.2B +10.8% YoY	52%
Total Deposits ?	$239.5M +3.1% YoY -1.4% QoQ	-$88.5M	$328.0M +0.1% YoY	$25.9B +8.5% YoY	$4.8B +8.2% YoY	43%
Return on Assets ?	0.16% +226.2% YoY +215.9% QoQ	-1.11%	1.27% +12.9% YoY	1.12% +9.9% YoY	1.23% +13.4% YoY	Bottom 5.8% in tier
Net Interest Margin ?	3.26% +8.9% YoY +4.5% QoQ	-0.67%	3.93% +6.0% YoY	3.58% +7.5% YoY	3.89% +5.7% YoY	20%
Efficiency Ratio ?	94.51% -9.0% YoY -2.7% QoQ	+29.22%	65.29% -4.5% YoY	72.65% -4.0% YoY	66.95% -4.1% YoY	Bottom 4.2% in tier
Delinquency Rate ?	0.08% -83.8% YoY -1.9% QoQ	-0.81%	0.89% +18.8% YoY	0.65% +14.5% YoY	0.95% +18.8% YoY	76%
Loan-to-Deposit Ratio ?	89.72% +0.3% YoY -1.4% QoQ	+13.08%	76.64% +0.8% YoY	79.14% +0.8% YoY	76.70% +0.9% YoY	25%
Non-Interest-Bearing Deposit Share ?	15.98% -11.9% YoY -5.7% QoQ	-6.04%	22.02% -1.0% YoY	18.08% -0.4% YoY	22.01% -1.2% YoY	28%
Nonperforming Asset Ratio ?	0.39% +1.2% YoY +2.1% QoQ	-0.24%	0.64% +19.7% YoY	0.44% +14.5% YoY	0.67% +19.3% YoY	44%
Tier 1 Capital Ratio ?	10.64% -0.4% YoY +0.7% QoQ	-5.19%	15.83% +1.5% YoY	19.44% +3.1% YoY	17.06% +0.8% YoY	18%
Non-Interest Income / Assets ?	0.13% -10.4% YoY -77.6% QoQ	-0.15%	0.28% +9.3% YoY	0.57% -2.4% YoY	0.32% +4.1% YoY	67%

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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)

Capital Thin

risk

#256 of 666 • Bottom 38.3% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.64%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

636

Delinquency Rate

credit_quality

Value: 0.08%

Peer Median: 0.89%

#636 of 2654 Top 23.9% in $100M-$1B

Top Weaknesses (5 metrics)

2553

Efficiency Ratio

profitability

Value: 94.51%

Peer Median: 65.29%

#2553 of 2664 Bottom 4.2% in $100M-$1B

2510

Return on Assets

profitability

Value: 0.16%

Peer Median: 1.27%

#2510 of 2664 Bottom 5.8% in $100M-$1B

2178

Tier 1 Capital Ratio

capital

Value: 10.64%

Peer Median: 15.83%

#2178 of 2664 Bottom 18.3% in $100M-$1B

2128

Net Interest Margin

profitability

Value: 3.26%

Peer Median: 3.93%

#2128 of 2664 Bottom 20.2% in $100M-$1B

2005

Loan-to-Deposit Ratio

liquidity

Value: 89.72%

Peer Median: 76.64%

#2005 of 2664 Bottom 24.8% in $100M-$1B