BlastPoint's Banking Scorecard

First Federal Savings and Loan Association of Van Wert

$100M-$1B Specialty: Mortgage OH FDIC cert 29135

Van Wert, OH

2 branches across OH

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

First Federal Savings and Loan Association of Van Wert faces 4 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.50% below tier average
- Net Interest Margin 0.82% below tier average
- Efficiency Ratio 12.86% above tier average
- Delinquency Rate 0.60% 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 ?	$194.7M +7.9% YoY +1.8% QoQ	-$191.4M	$386.1M +0.5% YoY	$35.8B +10.6% YoY	$6.2B +9.1% YoY	25%
Total Loans ?	$134.5M +14.4% YoY +4.9% QoQ	-$121.2M	$255.7M +1.1% YoY	$15.7B +12.8% YoY	$3.2B +10.8% YoY	31%
Total Deposits ?	$167.3M +8.7% YoY +2.0% QoQ	-$160.7M	$328.0M +0.1% YoY	$25.9B +8.5% YoY	$4.8B +8.2% YoY	26%
Return on Assets ?	0.77% +723.9% YoY +369.3% QoQ	-0.50%	1.27% +12.9% YoY	1.12% +9.9% YoY	1.23% +13.4% YoY	24%
Net Interest Margin ?	3.11% +27.6% YoY +15.4% QoQ	-0.82%	3.93% +6.0% YoY	3.58% +7.5% YoY	3.89% +5.7% YoY	Bottom 14.7% in tier
Efficiency Ratio ?	78.14% -24.6% YoY -28.8% QoQ	+12.86%	65.29% -4.5% YoY	72.65% -4.0% YoY	66.95% -4.1% YoY	18%
Delinquency Rate ?	1.49% +695.0% YoY +4.3% QoQ	+0.60%	0.89% +18.8% YoY	0.65% +14.5% YoY	0.95% +18.8% YoY	18%
Loan-to-Deposit Ratio ?	80.41% +5.2% YoY +2.9% QoQ	+3.77%	76.64% +0.8% YoY	79.14% +0.8% YoY	76.70% +0.9% YoY	46%
Non-Interest-Bearing Deposit Share ?	11.81% +10.8% YoY +9.3% QoQ	-10.21%	22.02% -1.0% YoY	18.08% -0.4% YoY	22.01% -1.2% YoY	Bottom 14.5% in tier
Nonperforming Asset Ratio ?	1.03% +742.7% YoY +7.6% QoQ	+0.39%	0.64% +19.7% YoY	0.44% +14.5% YoY	0.67% +19.3% YoY	19%
Tier 1 Capital Ratio ?	13.62% -7.9% YoY +0.1% QoQ	-2.21%	15.83% +1.5% YoY	19.44% +3.1% YoY	17.06% +0.8% YoY	54%
Non-Interest Income / Assets ?	0.18% +247.0% YoY -25.3% QoQ	-0.10%	0.28% +9.3% YoY	0.57% -2.4% YoY	0.32% +4.1% YoY	82%

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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 (0)

No matched concern signatures this quarter

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 (1 metrics)

484

Non-Interest Income / Assets

revenue_mix

Value: 0.18%

Peer Median: 0.28%

#484 of 2664 Top 18.1% in $100M-$1B

Top Weaknesses (6 metrics)

2279

Non-Interest-Bearing Deposit Share

funding

Value: 11.81%

Peer Median: 22.02%

#2279 of 2664 Bottom 14.5% in $100M-$1B

2274

Net Interest Margin

profitability

Value: 3.11%

Peer Median: 3.93%

#2274 of 2664 Bottom 14.7% in $100M-$1B

2189

Efficiency Ratio

profitability

Value: 78.14%

Peer Median: 65.29%

#2189 of 2664 Bottom 17.9% in $100M-$1B

2170

Delinquency Rate

credit_quality

Value: 1.49%

Peer Median: 0.89%

#2170 of 2654 Bottom 18.3% in $100M-$1B

2161

Nonperforming Asset Ratio

credit_quality

Value: 1.03%

Peer Median: 0.64%

#2161 of 2664 Bottom 18.9% in $100M-$1B

2015

Return on Assets

profitability

Value: 0.77%

Peer Median: 1.27%

#2015 of 2664 Bottom 24.4% in $100M-$1B