BlastPoint's Banking Scorecard
Conneaut Savings Bank
Designations: ✓ Community bank
Conneaut, 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 536 banks in the under $100M peer group nationwide — 1 of 24 in OH.
- Deposits +1.9% year over year ($65.3M on the books).
- Delinquency rate 0.40%.
- Return on assets 0.58%.
- Efficiency ratio 81.74% vs a 119.40% peer average.
- Loan-to-deposit ratio 82.35% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Conneaut Savings Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 37.65% below tier average
- + Delinquency Rate 1.08% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.42% below tier average
- - Net Interest Margin 0.06% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$76.7M
+1.3% YoY
+0.5% QoQ
|
+$14.3M |
$62.4M
-0.0% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
65% |
| Total Loans ? |
$53.8M
+2.4% YoY
-1.7% QoQ
|
+$18.9M |
$34.9M
-0.6% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
80% |
| Total Deposits ? |
$65.3M
+1.9% YoY
+1.4% QoQ
|
+$13.7M |
$51.6M
-0.2% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
67% |
| Return on Assets ? |
0.58%
-15.2% QoQ
|
-0.42% |
1.00%
+3.5% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
29% |
| Net Interest Margin ? |
3.85%
+19.9% YoY
-2.5% QoQ
|
-0.06% |
3.91%
+2.3% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
49% |
| Efficiency Ratio ? |
81.74%
-19.2% YoY
+3.8% QoQ
|
-37.65% |
119.40%
+49.6% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
28% |
| Delinquency Rate ? |
0.40%
-54.8% YoY
+13.4% QoQ
|
-1.08% |
1.48%
+31.8% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
53% |
| Loan-to-Deposit Ratio ? |
82.35%
+0.4% YoY
-3.1% QoQ
|
+8.14% |
74.21%
+12.6% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
14.27%
+3.7% YoY
-0.7% QoQ
|
-9.22% |
23.49%
+0.6% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
21% |
| Nonperforming Asset Ratio ? |
0.28%
-54.4% YoY
+10.9% QoQ
|
-0.56% |
0.84%
+23.0% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
50% |
| Tier 1 Capital Ratio ? |
15.09%
+1.5% YoY
-0.1% QoQ
|
-12.03% |
27.13%
+3.0% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
47% |
| Non-Interest Income / Assets ? |
0.16%
+4.8% YoY
+92.6% QoQ
|
-1.22% |
1.38%
+6.3% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
59% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
14.3%
+0.5pp YoY -0.1pp QoQ |
-10.4pp | 24.6% | 18.8% | 22.2% | 17% |
| Brokered Deposits | n/a | n/a | 9.8% | 7.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
3.0%
+1.3pp YoY 0.0pp QoQ |
-10.4pp | 13.4% | 10.2% | 12.5% | 10% |
| CRE |
22.4%
-0.5pp YoY -1.9pp QoQ |
-2.8pp | 25.2% | 34.2% | 41.4% | 57% |
| 1-4 Family |
74.7%
-0.8pp YoY +1.8pp QoQ |
+39.7pp | 35.0% | 50.0% | 31.3% | 89% |
| Consumer |
0.3%
+0.1pp YoY 0.0pp QoQ |
-7.4pp | 7.7% | 4.7% | 5.0% | 5% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 22.1% | 19.7% | n/a |
| Leverage Ratio |
15.1%
+0.2pp YoY 0.0pp QoQ |
-2.6pp | 17.7% | 12.9% | 12.6% | 69% |
| Total Capital Ratio | n/a | n/a | 39.7% | 23.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
16
0 YoY 0 QoQ |
+4 | 12 | 2,433 | 482 | 77% |
| Assets per Employee ($) |
$4.8M
+1.3% YoY +0.5% QoQ |
-$1.4M | $6.2M | $7.6M | $8.8M | 32% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 81 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.4%
-0.5pp YoY 0.0pp QoQ |
-1.3pp | 1.7% | 0.6% | 1.0% | 34% |
| Allowance Coverage |
1.35x
+116.3% YoY -10.2% QoQ |
-5.06x | 6.41x | 18.95x | 20.23x | 50% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
4.4%
+4.4pp YoY -0.8pp QoQ |
-2.0pp | 6.4% | 9.7% | 11.6% | 29% |
| Cost of Funds (YTD) |
1.0%
-0.1pp YoY 0.0pp QoQ |
-0.4pp | 1.4% | 1.7% | 1.7% | 27% |
| Net Income ($, YTD) |
$221,000
+7466.7% YoY — QoQ |
-$97K | $317,817 | $259.3M | $40.4M | 40% |
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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.