BlastPoint's Banking Scorecard
First Federal Savings and Loan Association of Van Wert
Van Wert, OH
2 branches across 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in OH.
- Deposits +7.4% year over year ($169.6M on the books).
- Delinquency rate 1.32%.
- Return on assets 0.59%.
- Efficiency ratio 82.31% vs a 64.48% peer average.
- Loan-to-deposit ratio 82.45% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Federal Savings and Loan Association of Van Wert faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.73% below tier average
- - Net Interest Margin 0.81% below tier average
- - Efficiency Ratio 17.83% above tier average
- - Delinquency Rate 0.40% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$197.4M
+7.2% YoY
+1.4% QoQ
|
-$189.2M |
$386.6M
+1.2% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
26% |
| Total Loans ? |
$139.8M
+14.1% YoY
+4.0% QoQ
|
-$118.5M |
$258.3M
+1.7% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
31% |
| Total Deposits ? |
$169.6M
+7.4% YoY
+1.4% QoQ
|
-$157.1M |
$326.7M
+0.7% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
27% |
| Return on Assets ? |
0.59%
+185.5% YoY
-23.4% QoQ
|
-0.73% |
1.32%
+10.8% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
Bottom 14.7% in tier |
| Net Interest Margin ? |
3.17%
+24.4% YoY
+2.0% QoQ
|
-0.81% |
3.99%
+5.0% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
15% |
| Efficiency Ratio ? |
82.31%
-34.6% YoY
+5.3% QoQ
|
+17.83% |
64.48%
-3.2% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
Bottom 11.7% in tier |
| Delinquency Rate ? |
1.32%
+123.8% YoY
-11.3% QoQ
|
+0.40% |
0.92%
+15.7% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
82.45%
+6.2% YoY
+2.5% QoQ
|
+4.49% |
77.95%
+1.0% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
12.08%
+0.7% YoY
+2.3% QoQ
|
-9.95% |
22.03%
-0.6% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
Bottom 14.8% in tier |
| Nonperforming Asset Ratio ? |
0.94%
+138.1% YoY
-9.0% QoQ
|
+0.27% |
0.67%
+16.4% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
22% |
| Tier 1 Capital Ratio ? |
13.52%
-4.6% YoY
-0.8% QoQ
|
-2.39% |
15.91%
+1.4% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.24%
+121.8% YoY
+33.9% QoQ
|
-0.32% |
0.57%
+7.6% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
61% |
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 |
12.1%
+0.1pp YoY +0.3pp QoQ |
-10.1pp | 22.1% | 18.8% | 22.2% | 14% |
| Brokered Deposits | n/a | n/a | 7.9% | 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 |
6.1%
+0.5pp YoY +1.4pp QoQ |
-5.4pp | 11.6% | 10.2% | 12.5% | 26% |
| CRE | n/a | n/a | 39.5% | 34.2% | 41.4% | n/a |
| 1-4 Family |
76.9%
-3.3pp YoY -0.9pp QoQ |
+44.3pp | 32.6% | 50.0% | 31.3% | 96% |
| Consumer |
1.0%
+0.3pp YoY -0.6pp QoQ |
-3.1pp | 4.1% | 4.7% | 5.0% | 29% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.1% | 19.7% | n/a |
| Leverage Ratio |
13.5%
-0.7pp YoY -0.1pp QoQ |
+1.3pp | 12.2% | 12.9% | 12.6% | 78% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
34
0 YoY 0 QoQ |
-25 | 58 | 2,433 | 482 | 33% |
| Assets per Employee ($) |
$5.8M
+7.2% YoY +1.4% QoQ |
-$1.7M | $7.5M | $7.6M | $8.8M | 30% |
| Branch Count |
2
+1 (+100.0%) YoY 0 QoQ |
-3 | 4 | 81 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
0.0pp YoY -0.3pp QoQ |
-0.1pp | 0.3% | 0.2% | 0.4% | 66% |
| Nonaccrual |
1.1%
+0.8pp YoY +0.1pp QoQ |
+0.2pp | 0.9% | 0.6% | 1.0% | 74% |
| Allowance Coverage |
0.14x
-58.5% YoY +8.4% QoQ |
-24.01x | 24.15x | 18.95x | 20.23x | 0% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
4.7%
+9.9pp YoY -1.4pp QoQ |
-7.5pp | 12.2% | 9.7% | 11.6% | 12% |
| Cost of Funds (YTD) |
1.9%
-0.3pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.7% | 1.7% | 62% |
| Net Income ($, YTD) |
$573,000
+191.1% YoY — QoQ |
-$2.0M | $2.6M | $259.3M | $40.4M | 12% |
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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.