BlastPoint's Banking Scorecard

Fidelity Federal Savings and Loan Association of Delaware

$100M-$1B Specialty: Mortgage OH FDIC cert 29521

Delaware, OH

2 branches across OH

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

Fidelity Federal Savings and Loan Association of Delaware has 2 strengths but faces 5 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 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Return on Assets 1.18% below tier average
- Net Interest Margin 1.35% below tier average
- Efficiency Ratio 30.35% above tier average
- Non-Interest-Bearing Deposit Share 18.77% below tier average
- Non-Interest Income / Assets 0.25% below 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 ?	$131.4M +1.7% YoY +0.3% QoQ	-$254.6M	$386.1M +0.5% YoY	$35.8B +10.6% YoY	$6.2B +9.1% YoY	Bottom 8.9% in tier
Total Loans ?	$76.9M +3.3% YoY -1.1% QoQ	-$178.8M	$255.7M +1.1% YoY	$15.7B +12.8% YoY	$3.2B +10.8% YoY	Bottom 9.8% in tier
Total Deposits ?	$98.9M +2.1% YoY +1.4% QoQ	-$229.1M	$328.0M +0.1% YoY	$25.9B +8.5% YoY	$4.8B +8.2% YoY	Bottom 5.3% in tier
Return on Assets ?	0.09% +201.7% YoY +383.7% QoQ	-1.18%	1.27% +12.9% YoY	1.12% +9.9% YoY	1.23% +13.4% YoY	Bottom 4.4% in tier
Net Interest Margin ?	2.58% +7.2% YoY +3.1% QoQ	-1.35%	3.93% +6.0% YoY	3.58% +7.5% YoY	3.89% +5.7% YoY	Bottom 3.9% in tier
Efficiency Ratio ?	95.64% -8.2% YoY -6.0% QoQ	+30.35%	65.29% -4.5% YoY	72.65% -4.0% YoY	66.95% -4.1% YoY	Bottom 3.7% in tier
Delinquency Rate ?	0.00% -100.0% YoY -100.0% QoQ	-0.89%	0.89% +18.8% YoY	0.65% +14.5% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	77.79% +1.2% YoY -2.5% QoQ	+1.15%	76.64% +0.8% YoY	79.14% +0.8% YoY	76.70% +0.9% YoY	51%
Non-Interest-Bearing Deposit Share ?	3.25% -21.8% YoY -8.4% QoQ	-18.77%	22.02% -1.0% YoY	18.08% -0.4% YoY	22.01% -1.2% YoY	Bottom 2.2% in tier
Nonperforming Asset Ratio ?	0.00% -100.0% YoY -100.0% QoQ	-0.64%	0.64% +19.7% YoY	0.44% +14.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	17.10% -48.9% YoY -47.6% QoQ	+1.27%	15.83% +1.5% YoY	19.44% +3.1% YoY	17.06% +0.8% YoY	77%
Non-Interest Income / Assets ?	0.03% -4.3% YoY -79.7% QoQ	-0.25%	0.28% +9.3% YoY	0.57% -2.4% YoY	0.32% +4.1% YoY	Bottom 6.8% 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 (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 (3 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

604

Tier 1 Capital Ratio

capital

Value: 17.10%

Peer Median: 15.83%

#604 of 2664 Top 22.6% in $100M-$1B

Top Weaknesses (8 metrics)

2606

Non-Interest-Bearing Deposit Share

funding

Value: 3.25%

Peer Median: 22.02%

#2606 of 2664 Bottom 2.2% in $100M-$1B

2567

Efficiency Ratio

profitability

Value: 95.64%

Peer Median: 65.29%

#2567 of 2664 Bottom 3.7% in $100M-$1B

2562

Net Interest Margin

profitability

Value: 2.58%

Peer Median: 3.93%

#2562 of 2664 Bottom 3.9% in $100M-$1B

2548

Return on Assets

profitability

Value: 0.09%

Peer Median: 1.27%

#2548 of 2664 Bottom 4.4% in $100M-$1B

2523

Total Deposits

size

Value: $98.86M

Peer Median: $327.97M

#2523 of 2664 Bottom 5.3% in $100M-$1B

2483

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.28%

#2483 of 2664 Bottom 6.8% in $100M-$1B

2428

Total Assets

size

Value: $131.43M

Peer Median: $386.08M

#2428 of 2664 Bottom 8.9% in $100M-$1B

2404

Total Loans

size

Value: $76.90M

Peer Median: $255.72M

#2404 of 2664 Bottom 9.8% in $100M-$1B