BlastPoint's Banking Scorecard

The Cincinnatus Savings & Loan Co.

$100M-$1B Specialty: Commercial OH FDIC cert 28157

Cincinnati, OH

3 branches across OH

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

The Cincinnatus Savings & Loan Co. has 2 strengths but faces 5 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

+ Credit Quality Leader: Top 0.9% in tier
+ Efficiency Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 12.9% in tier
- Credit Risk Growth: Bottom 18.1% in tier
- NIB Deposit Bleed: Bottom 62.1% in tier
- ROA 0.34% below tier average
- Net Interest Margin 0.41% 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 ?	$191.0M +10.7% YoY +3.6% QoQ	-$195.0M	$386.1M +0.5% YoY	$35.8B +10.6% YoY	$6.2B +9.1% YoY	24%
Total Loans ?	$124.9M +5.7% YoY -2.7% QoQ	-$130.8M	$255.7M +1.1% YoY	$15.7B +12.8% YoY	$3.2B +10.8% YoY	28%
Total Deposits ?	$161.6M +12.8% YoY +4.5% QoQ	-$166.4M	$328.0M +0.1% YoY	$25.9B +8.5% YoY	$4.8B +8.2% YoY	24%
Return on Assets ?	0.93% +1.8% YoY -10.1% QoQ	-0.34%	1.27% +12.9% YoY	1.12% +9.9% YoY	1.23% +13.4% YoY	33%
Net Interest Margin ?	3.52% +3.9% YoY +0.7% QoQ	-0.41%	3.93% +6.0% YoY	3.58% +7.5% YoY	3.89% +5.7% YoY	32%
Efficiency Ratio ?	64.61% -3.6% YoY +1.8% QoQ	-0.67%	65.29% -4.5% YoY	72.65% -4.0% YoY	66.95% -4.1% YoY	46%
Delinquency Rate ?	0.08% -48.9% QoQ	-0.81%	0.89% +18.8% YoY	0.65% +14.5% YoY	0.95% +18.8% YoY	76%
Loan-to-Deposit Ratio ?	77.30% -6.3% YoY -6.9% QoQ	+0.67%	76.64% +0.8% YoY	79.14% +0.8% YoY	76.70% +0.9% YoY	52%
Non-Interest-Bearing Deposit Share ?	10.53% -17.2% YoY -12.3% QoQ	-11.49%	22.02% -1.0% YoY	18.08% -0.4% YoY	22.01% -1.2% YoY	Bottom 11.9% in tier
Nonperforming Asset Ratio ?	0.05% -52.0% QoQ	-0.59%	0.64% +19.7% YoY	0.44% +14.5% YoY	0.67% +19.3% YoY	78%
Tier 1 Capital Ratio ?	15.21% -4.7% YoY -1.6% QoQ	-0.62%	15.83% +1.5% YoY	19.44% +3.1% YoY	17.06% +0.8% YoY	68%
Non-Interest Income / Assets ?	0.05% +15.5% YoY -82.2% QoQ	-0.23%	0.28% +9.3% YoY	0.57% -2.4% YoY	0.32% +4.1% YoY	21%

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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)

Credit Quality Leader

growth

#7 of 664 • Top 0.9% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.08%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ

Concerns (3)

Credit Quality Pressure

risk

#170 of 1308 • Bottom 12.9% in tier

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

Why this signature

Delinquency Rate: 0.08%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#177 of 973 • Bottom 18.1% in tier

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

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

NIB Deposit Bleed

decline

#124 of 198 • Bottom 62.1% 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: 10.53%

(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)

593

Nonperforming Asset Ratio

credit_quality

Value: 0.05%

Peer Median: 0.64%

#593 of 2664 Top 22.2% in $100M-$1B

632

Delinquency Rate

credit_quality

Value: 0.08%

Peer Median: 0.89%

#632 of 2654 Top 23.8% in $100M-$1B

Top Weaknesses (4 metrics)

2349

Non-Interest-Bearing Deposit Share

funding

Value: 10.53%

Peer Median: 22.02%

#2349 of 2664 Bottom 11.9% in $100M-$1B

2105

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2105 of 2664 Bottom 21.0% in $100M-$1B

2021

Total Deposits

size

Value: $161.58M

Peer Median: $327.97M

#2021 of 2664 Bottom 24.2% in $100M-$1B

2017

Total Assets

size

Value: $191.04M

Peer Median: $386.08M

#2017 of 2664 Bottom 24.3% in $100M-$1B