BlastPoint's Banking Scorecard
New Carlisle Federal Savings Bank
New Carlisle, OH
3 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 +19.1% year over year ($259.7M on the books).
- Delinquency rate 1.80%.
- Return on assets 1.20%.
- Efficiency ratio 57.28% vs a 64.48% peer average.
- Loan-to-deposit ratio 107.37% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
New Carlisle Federal Savings Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.23% above tier average
- + Efficiency Ratio 7.20% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 29.42% above tier average
- - ROA 0.13% below tier average
- - Delinquency Rate 0.88% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$330.5M
+14.3% YoY
+0.2% QoQ
|
-$56.1M |
$386.6M
+1.2% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
51% |
| Total Loans ? |
$278.8M
+12.3% YoY
-1.1% QoQ
|
+$20.5M |
$258.3M
+1.7% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
63% |
| Total Deposits ? |
$259.7M
+19.1% YoY
-2.2% QoQ
|
-$67.0M |
$326.7M
+0.7% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
47% |
| Return on Assets ? |
1.20%
+14.2% YoY
+28.6% QoQ
|
-0.13% |
1.32%
+10.8% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
47% |
| Net Interest Margin ? |
4.22%
+15.5% YoY
+10.4% QoQ
|
+0.23% |
3.99%
+5.0% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
66% |
| Efficiency Ratio ? |
57.28%
-11.7% YoY
-9.9% QoQ
|
-7.20% |
64.48%
-3.2% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
66% |
| Delinquency Rate ? |
1.80%
-8.0% YoY
+13.5% QoQ
|
+0.88% |
0.92%
+15.7% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
Bottom 14.9% in tier |
| Loan-to-Deposit Ratio ? |
107.37%
-5.7% YoY
+1.1% QoQ
|
+29.42% |
77.95%
+1.0% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
Bottom 4.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.57%
-13.5% YoY
-0.2% QoQ
|
-5.47% |
22.03%
-0.6% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
30% |
| Nonperforming Asset Ratio ? |
1.51%
-9.6% YoY
+12.1% QoQ
|
+0.85% |
0.67%
+16.4% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
Bottom 11.9% in tier |
| Tier 1 Capital Ratio ? |
10.05%
+2.1% YoY
+6.7% QoQ
|
-5.86% |
15.91%
+1.4% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
Bottom 11.4% in tier |
| Non-Interest Income / Assets ? |
0.15%
-19.8% YoY
+94.8% QoQ
|
-0.42% |
0.57%
+7.6% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
34% |
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 |
16.6%
-2.6pp YoY 0.0pp QoQ |
-5.6pp | 22.1% | 18.8% | 22.2% | 30% |
| 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 |
12.4%
-1.2pp YoY -0.3pp QoQ |
+0.8pp | 11.6% | 10.2% | 12.5% | 66% |
| CRE |
42.6%
+3.1pp YoY -0.4pp QoQ |
+3.1pp | 39.5% | 34.2% | 41.4% | 58% |
| 1-4 Family |
41.6%
+0.2pp YoY +0.3pp QoQ |
+9.0pp | 32.6% | 50.0% | 31.3% | 72% |
| Consumer |
0.6%
-0.2pp YoY 0.0pp QoQ |
-3.5pp | 4.1% | 4.7% | 5.0% | 18% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
10.1%
+0.2pp YoY +0.6pp QoQ |
-8.8pp | 18.8% | 22.1% | 19.7% | 2% |
| Leverage Ratio |
8.4%
-0.1pp YoY +0.3pp QoQ |
-3.8pp | 12.2% | 12.9% | 12.6% | 5% |
| Total Capital Ratio |
10.8%
0.0pp YoY +0.6pp QoQ |
-9.1pp | 19.9% | 23.2% | 20.8% | 1% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
30
+1 (+3.4%) YoY +1 (+3.4%) QoQ |
-29 | 58 | 2,433 | 482 | 26% |
| Assets per Employee ($) |
$11.0M
+10.5% YoY -3.2% QoQ |
+$3.5M | $7.5M | $7.6M | $8.8M | 90% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 81 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
1.1%
+0.7pp YoY +1.0pp QoQ |
+0.8pp | 0.3% | 0.2% | 0.4% | 92% |
| Nonaccrual |
0.7%
-0.9pp YoY -0.8pp QoQ |
-0.2pp | 0.9% | 0.6% | 1.0% | 62% |
| Allowance Coverage |
0.41x
-10.8% YoY -18.0% QoQ |
-23.75x | 24.15x | 18.95x | 20.23x | 6% |
| Net Charge-off Rate (YTD) |
0.4%
+0.2pp YoY +0.3pp QoQ |
+0.2pp | 0.1% | 0.1% | 0.2% | 92% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.5%
+2.0pp YoY +3.1pp QoQ |
+2.3pp | 12.2% | 9.7% | 11.6% | 65% |
| Cost of Funds (YTD) |
2.6%
-0.1pp YoY 0.0pp QoQ |
+0.9pp | 1.7% | 1.7% | 1.7% | 93% |
| Net Income ($, YTD) |
$1.9M
+31.3% YoY — QoQ |
-$614K | $2.6M | $259.3M | $40.4M | 51% |
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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.