BlastPoint's Banking Scorecard

Mechanics Bank

$100M-$1B Specialty: Mortgage OH FDIC cert 29011

Mansfield, OH

10 branches across OH

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

Mechanics Bank has 1 strength but faces 7 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

+ Delinquency Rate 0.56% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 14.6% in tier
- Credit Risk Growth: Bottom 32.1% in tier
- Liquidity Strain: Bottom 45.6% in tier
- Non-Interest-Bearing Deposit Share 14.57% below tier average
- ROA 0.63% below tier average
- Net Interest Margin 0.63% below tier average
- Efficiency Ratio 11.79% above 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 ?	$885.5M +8.3% YoY +1.5% QoQ	+$499.4M	$386.1M +0.5% YoY	$35.8B +10.6% YoY	$6.2B +9.1% YoY	Top 4.4% in tier
Total Loans ?	$717.5M +9.2% YoY +2.1% QoQ	+$461.8M	$255.7M +1.1% YoY	$15.7B +12.8% YoY	$3.2B +10.8% YoY	Top 1.9% in tier
Total Deposits ?	$769.9M +2.8% YoY +0.5% QoQ	+$441.9M	$328.0M +0.1% YoY	$25.9B +8.5% YoY	$4.8B +8.2% YoY	Top 3.7% in tier
Return on Assets ?	0.64% +20.2% YoY -5.2% QoQ	-0.63%	1.27% +12.9% YoY	1.12% +9.9% YoY	1.23% +13.4% YoY	18%
Net Interest Margin ?	3.31% +9.3% YoY +3.2% QoQ	-0.63%	3.93% +6.0% YoY	3.58% +7.5% YoY	3.89% +5.7% YoY	22%
Efficiency Ratio ?	77.07% -4.9% YoY -0.8% QoQ	+11.79%	65.29% -4.5% YoY	72.65% -4.0% YoY	66.95% -4.1% YoY	19%
Delinquency Rate ?	0.33% +1.5% YoY -3.5% QoQ	-0.56%	0.89% +18.8% YoY	0.65% +14.5% YoY	0.95% +18.8% YoY	55%
Loan-to-Deposit Ratio ?	93.19% +6.2% YoY +1.6% QoQ	+16.55%	76.64% +0.8% YoY	79.14% +0.8% YoY	76.70% +0.9% YoY	18%
Non-Interest-Bearing Deposit Share ?	7.45% +3.9% YoY +6.0% QoQ	-14.57%	22.02% -1.0% YoY	18.08% -0.4% YoY	22.01% -1.2% YoY	Bottom 6.3% in tier
Nonperforming Asset Ratio ?	0.27% +2.3% YoY -2.9% QoQ	-0.37%	0.64% +19.7% YoY	0.44% +14.5% YoY	0.67% +19.3% YoY	53%
Tier 1 Capital Ratio ?	15.01% -4.2% YoY -0.3% QoQ	-0.82%	15.83% +1.5% YoY	19.44% +3.1% YoY	17.06% +0.8% YoY	66%
Non-Interest Income / Assets ?	0.20% +0.6% YoY -75.8% QoQ	-0.08%	0.28% +9.3% YoY	0.57% -2.4% YoY	0.32% +4.1% YoY	Top 14.2% 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 (0)

No matched strength signatures this quarter

Concerns (3)

Credit Quality Pressure

risk

#192 of 1308 • Bottom 14.6% in tier

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

Why this signature

Delinquency Rate: 0.33%

(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

#313 of 973 • Bottom 32.1% 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 declining

Liquidity Strain

risk

#294 of 643 • Bottom 45.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 93.19%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank declining

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 (4 metrics)

Total Loans

size

Value: $717.47M

Peer Median: $255.72M

#52 of 2664 Top 1.9% in $100M-$1B

100

Total Deposits

size

Value: $769.88M

Peer Median: $327.97M

#100 of 2664 Top 3.7% in $100M-$1B

119

Total Assets

size

Value: $885.49M

Peer Median: $386.08M

#119 of 2664 Top 4.4% in $100M-$1B

378

Non-Interest Income / Assets

revenue_mix

Value: 0.20%

Peer Median: 0.28%

#378 of 2664 Top 14.2% in $100M-$1B

Top Weaknesses (5 metrics)

2496

Non-Interest-Bearing Deposit Share

funding

Value: 7.45%

Peer Median: 22.02%

#2496 of 2664 Bottom 6.3% in $100M-$1B

2190

Loan-to-Deposit Ratio

liquidity

Value: 93.19%

Peer Median: 76.64%

#2190 of 2664 Bottom 17.8% in $100M-$1B

2188

Return on Assets

profitability

Value: 0.64%

Peer Median: 1.27%

#2188 of 2664 Bottom 17.9% in $100M-$1B

2148

Efficiency Ratio

profitability

Value: 77.07%

Peer Median: 65.29%

#2148 of 2664 Bottom 19.4% in $100M-$1B

2081

Net Interest Margin

profitability

Value: 3.31%

Peer Median: 3.93%

#2081 of 2664 Bottom 21.9% in $100M-$1B