BlastPoint's Banking Scorecard

Community Savings

$100M-$1B Specialty: Mortgage OH FDIC cert 27969

Designations: ✓ CDFI-certified

Caldwell, OH

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

Community Savings has 4 strengths but faces 3 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

+ Revenue Diversifier: Top 41.9% in tier
+ Net Interest Margin 1.09% above tier average
+ ROA 0.12% above tier average
+ Delinquency Rate 0.31% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 53.0% in tier
- Loan-to-Deposit Ratio 23.25% above tier average
- Efficiency Ratio 0.77% above tier average

Get updates when Community Savings releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$300.7M +7.8% YoY +1.0% QoQ	-$85.4M	$386.1M +0.5% YoY	$35.8B +10.6% YoY	$6.2B +9.1% YoY	46%
Total Loans ?	$246.3M +15.1% YoY -3.7% QoQ	-$9.4M	$255.7M +1.1% YoY	$15.7B +12.8% YoY	$3.2B +10.8% YoY	59%
Total Deposits ?	$246.6M +12.8% YoY +3.8% QoQ	-$81.4M	$328.0M +0.1% YoY	$25.9B +8.5% YoY	$4.8B +8.2% YoY	44%
Return on Assets ?	1.39% +40.2% YoY +15.0% QoQ	+0.12%	1.27% +12.9% YoY	1.12% +9.9% YoY	1.23% +13.4% YoY	62%
Net Interest Margin ?	5.02% +9.9% YoY +3.0% QoQ	+1.09%	3.93% +6.0% YoY	3.58% +7.5% YoY	3.89% +5.7% YoY	Top 6.9% in tier
Efficiency Ratio ?	66.06% -4.8% YoY -3.5% QoQ	+0.77%	65.29% -4.5% YoY	72.65% -4.0% YoY	66.95% -4.1% YoY	42%
Delinquency Rate ?	0.58% -27.1% YoY -47.9% QoQ	-0.31%	0.89% +18.8% YoY	0.65% +14.5% YoY	0.95% +18.8% YoY	42%
Loan-to-Deposit Ratio ?	99.88% +2.0% YoY -7.2% QoQ	+23.25%	76.64% +0.8% YoY	79.14% +0.8% YoY	76.70% +0.9% YoY	Bottom 8.6% in tier
Non-Interest-Bearing Deposit Share ?	15.55% -16.9% YoY -1.5% QoQ	-6.47%	22.02% -1.0% YoY	18.08% -0.4% YoY	22.01% -1.2% YoY	26%
Nonperforming Asset Ratio ?	0.47% -22.1% YoY -50.3% QoQ	-0.17%	0.64% +19.7% YoY	0.44% +14.5% YoY	0.67% +19.3% YoY	39%
Tier 1 Capital Ratio ?	11.93% +9.9% YoY +5.4% QoQ	-3.90%	15.83% +1.5% YoY	19.44% +3.1% YoY	17.06% +0.8% YoY	34%
Non-Interest Income / Assets ?	0.26% -14.8% YoY -79.7% QoQ	-0.02%	0.28% +9.3% YoY	0.57% -2.4% YoY	0.32% +4.1% YoY	Top 8.5% in tier

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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 (1)

Revenue Diversifier

growth

#280 of 666 • Top 41.9% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.26%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 1.39%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (1)

NIB Deposit Bleed

decline

#106 of 198 • Bottom 53.0% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 15.55%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ

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 (2 metrics)

184

Net Interest Margin

profitability

Value: 5.02%

Peer Median: 3.93%

#184 of 2664 Top 6.9% in $100M-$1B

227

Non-Interest Income / Assets

revenue_mix

Value: 0.26%

Peer Median: 0.28%

#227 of 2664 Top 8.5% in $100M-$1B

Top Weaknesses (1 metrics)

2436

Loan-to-Deposit Ratio

liquidity

Value: 99.88%

Peer Median: 76.64%

#2436 of 2664 Bottom 8.6% in $100M-$1B