BlastPoint's Banking Scorecard

Community Savings

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

Designations: ✓ CDFI-certified

Caldwell, 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 -0.3% year over year ($219.8M on the books).
Delinquency rate 0.89%.
Return on assets 1.35%.
Efficiency ratio 67.50% vs a 64.48% peer average.
Loan-to-deposit ratio 110.07% 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 96 in OH

View $100M-$1B leaderboard (OH) →

Community Savings 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

+ Net Interest Margin 1.20% above tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 42.4% in tier
- Credit Quality Pressure: Bottom 44.8% in tier
- Loan-to-Deposit Ratio 32.12% above tier average
- Efficiency Ratio 3.02% above tier average

Get updates when Community Savings releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$284.7M +5.0% YoY -5.3% QoQ	-$101.9M	$386.6M +1.2% YoY	$36.7B +9.4% YoY	$6.3B +7.7% YoY	43%
Total Loans ?	$241.9M +8.6% YoY -1.8% QoQ	-$16.4M	$258.3M +1.7% YoY	$16.2B +12.1% YoY	$3.2B +9.4% YoY	57%
Total Deposits ?	$219.8M -0.3% YoY -10.9% QoQ	-$106.9M	$326.7M +0.7% YoY	$26.4B +7.6% YoY	$4.9B +7.3% YoY	39%
Return on Assets ?	1.35% +53.1% YoY -3.0% QoQ	+0.03%	1.32% +10.8% YoY	1.21% +9.4% YoY	1.30% +12.1% YoY	56%
Net Interest Margin ?	5.19% +8.6% YoY +3.3% QoQ	+1.20%	3.99% +5.0% YoY	3.65% +6.4% YoY	3.95% +4.9% YoY	Top 5.8% in tier
Efficiency Ratio ?	67.50% -7.2% YoY +2.2% QoQ	+3.02%	64.48% -3.2% YoY	70.70% -3.8% YoY	70.05% +2.5% YoY	36%
Delinquency Rate ?	0.89% +25.4% YoY +55.0% QoQ	-0.02%	0.92% +15.7% YoY	0.68% +23.3% YoY	0.98% +16.3% YoY	31%
Loan-to-Deposit Ratio ?	110.07% +8.9% YoY +10.2% QoQ	+32.12%	77.95% +1.0% YoY	79.88% +0.7% YoY	79.03% +2.3% YoY	Bottom 3.0% in tier
Non-Interest-Bearing Deposit Share ?	17.17% -3.1% YoY +10.4% QoQ	-4.86%	22.03% -0.6% YoY	18.59% +0.9% YoY	21.98% -0.6% YoY	33%
Nonperforming Asset Ratio ?	0.76% +29.8% YoY +60.8% QoQ	+0.09%	0.67% +16.4% YoY	0.46% +23.9% YoY	0.69% +15.8% YoY	28%
Tier 1 Capital Ratio ?	12.43% +12.1% YoY +4.2% QoQ	-3.48%	15.91% +1.4% YoY	18.68% -0.2% YoY	17.09% +0.8% YoY	41%
Non-Interest Income / Assets ?	0.45% -24.3% YoY +72.4% QoQ	-0.12%	0.57% +7.6% YoY	1.22% +2.7% YoY	0.66% +5.2% YoY	Top 11.4% 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 (OH)	National Avg	Tier Percentile
Noninterest-Bearing	17.2% -0.5pp YoY +1.6pp QoQ	-5.0pp	22.1%	18.8%	22.2%	32%
Brokered Deposits	0.5% -4.1pp YoY -3.6pp QoQ	-7.4pp	7.9%	7.7%	8.5%	11%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
C&I	n/a	n/a	11.6%	10.2%	12.5%	n/a
CRE	n/a	n/a	39.5%	34.2%	41.4%	n/a
1-4 Family	99.9% +0.6pp YoY +0.1pp QoQ	+67.2pp	32.6%	50.0%	31.3%	100%
Consumer	1.1% -0.5pp YoY -0.1pp QoQ	-3.0pp	4.1%	4.7%	5.0%	31%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	22.1%	19.7%	n/a
Leverage Ratio	12.4% +1.3pp YoY +0.5pp QoQ	+0.3pp	12.2%	12.9%	12.6%	69%
Total Capital Ratio	n/a	n/a	19.9%	23.2%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Full-Time Employees	62 +2 (+3.3%) YoY +3 (+5.1%) QoQ	+3	58	2,433	482	65%
Assets per Employee ($)	$4.6M +1.6% YoY -9.9% QoQ	-$2.9M	$7.5M	$7.6M	$8.8M	9%
Branch Count	1 0 YoY 0 QoQ	-4	4	81	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Past Due 90+ Days	0.1%	-0.2pp	0.3%	0.2%	0.4%	57%
Nonaccrual	0.8% 0.0pp YoY +0.2pp QoQ	-0.2pp	0.9%	0.6%	1.0%	65%
Allowance Coverage	1.38x -19.8% YoY -34.8% QoQ	-22.77x	24.15x	18.95x	20.23x	37%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY -0.1pp QoQ	0.0pp	0.1%	0.1%	0.2%	79%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
ROE	10.7% +3.5pp YoY -0.7pp QoQ	-1.5pp	12.2%	9.7%	11.6%	41%
Cost of Funds (YTD)	2.7% -0.4pp YoY 0.0pp QoQ	+1.0pp	1.7%	1.7%	1.7%	94%
Net Income ($, YTD)	$2.0M +64.9% YoY — QoQ	-$568K	$2.6M	$259.3M	$40.4M	52%

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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 (2)

Credit Risk Growth

risk

#398 of 936 • Bottom 42.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ

Credit Quality Pressure

risk

#563 of 1256 • Bottom 44.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.89%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

155

Net Interest Margin

profitability

Value: 5.19%

Peer Median: 3.99%

#155 of 2643 Top 5.8% in $100M-$1B

302

Non-Interest Income / Assets

revenue_mix

Value: 0.45%

Peer Median: 0.57%

#302 of 2643 Top 11.4% in $100M-$1B

Top Weaknesses (1 metrics)

2566

Loan-to-Deposit Ratio

liquidity

Value: 110.07%

Peer Median: 77.95%

#2566 of 2643 Bottom 3.0% in $100M-$1B