BlastPoint's Banking Scorecard
The Brookville Building and Savings Association
Designations: ✓ Community bank ✓ Mutual
Brookville, OH
2 branches across OH
The Brookville Building and Savings Association has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.37% below tier average
- + Nonperforming Asset Ratio 0.79% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.75% below tier average
- - Net Interest Margin 0.64% below tier average
- - Efficiency Ratio 10.54% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$44.3M
+3.7% YoY
+0.9% QoQ
|
-$17.8M |
$62.2M
-0.6% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
26% |
| Total Loans ? |
$29.7M
+0.8% YoY
+1.4% QoQ
|
-$4.6M |
$34.2M
-1.4% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
45% |
| Total Deposits ? |
$35.5M
+5.1% YoY
+1.0% QoQ
|
-$16.2M |
$51.7M
-0.7% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
25% |
| Return on Assets ? |
0.08%
-90.8% YoY
+165.4% QoQ
|
-0.75% |
0.84%
-2.3% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
16% |
| Net Interest Margin ? |
3.22%
+4.6% YoY
+1.7% QoQ
|
-0.64% |
3.86%
+2.8% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
21% |
| Efficiency Ratio ? |
98.89%
-10.3% YoY
-14.0% QoQ
|
+10.54% |
88.34%
+0.3% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
Bottom 14.4% in tier |
| Delinquency Rate ? | 0.00% | -1.37% |
1.37%
+33.8% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
83.44%
-4.1% YoY
+0.4% QoQ
|
+19.22% |
64.22%
-0.7% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
10.32%
+29.9% YoY
+15.3% QoQ
|
-13.39% |
23.71%
+0.3% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
16% |
| Nonperforming Asset Ratio ? | 0.00% | -0.79% |
0.79%
+28.2% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
20.15%
-6.1% YoY
-1.2% QoQ
|
-6.53% |
26.68%
+2.0% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.04%
-3.5% YoY
-74.2% QoQ
|
-0.62% |
0.67%
+1.9% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
35% |
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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.