BlastPoint

BlastPoint's Banking Scorecard

First Mutual Bank, FSB

$100M-$1B Specialty: Mortgage OH FDIC cert 29617

Belpre, OH

4 branches across OH · WV

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 +3.1% year over year ($90.6M on the books).
  • Delinquency rate 0.55%.
  • Return on assets 0.29%.
  • Efficiency ratio 86.77% vs a 64.48% peer average.
  • Loan-to-deposit ratio 74.34% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in OH
View $100M-$1B leaderboard (OH) →

First Mutual Bank, FSB has 1 strength but faces 6 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 0.37% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 2.3% in tier
  • - Credit Quality Pressure: Bottom 26.8% in tier
  • - Efficiency Drag: Bottom 37.1% in tier
  • - Return on Assets 1.03% below tier average
  • - Net Interest Margin 1.20% below tier average
  • - Non-Interest-Bearing Deposit Share 14.15% below tier average
Get updates when First Mutual Bank, FSB releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $109.9M
-0.3% YoY -0.5% QoQ
-$276.7M $386.6M
+1.2% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
Bottom 2.7% in tier
Total Loans ? $67.4M
-4.3% YoY -0.4% QoQ
-$191.0M $258.3M
+1.7% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
Bottom 6.4% in tier
Total Deposits ? $90.6M
+3.1% YoY -0.8% QoQ
-$236.1M $326.7M
+0.7% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
Bottom 2.7% in tier
Return on Assets ? 0.29%
-8.3% YoY +51.6% QoQ
-1.03% 1.32%
+10.8% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
Bottom 7.2% in tier
Net Interest Margin ? 2.79%
-3.6% YoY +1.8% QoQ
-1.20% 3.99%
+5.0% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
Bottom 6.0% in tier
Efficiency Ratio ? 86.77%
+0.8% YoY -3.3% QoQ
+22.30% 64.48%
-3.2% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
Bottom 7.9% in tier
Delinquency Rate ? 0.55%
+12.0% YoY -39.1% QoQ
-0.37% 0.92%
+15.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
44%
Loan-to-Deposit Ratio ? 74.34%
-7.2% YoY +0.3% QoQ
-3.61% 77.95%
+1.0% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
61%
Non-Interest-Bearing Deposit Share ? 7.88%
-16.5% YoY -0.8% QoQ
-14.15% 22.03%
-0.6% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
Bottom 6.7% in tier
Nonperforming Asset Ratio ? 0.34%
+7.6% YoY -39.1% QoQ
-0.33% 0.67%
+16.4% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
49%
Tier 1 Capital Ratio ? 18.65%
+6.6% YoY +0.8% QoQ
+2.74% 15.91%
+1.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
83%
Non-Interest Income / Assets ? 0.21%
+0.3% YoY +103.6% QoQ
-0.36% 0.57%
+7.6% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
53%

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 7.9%
-1.6pp YoY
-0.1pp QoQ
 -14.3pp 22.1% 18.8% 22.2% 6%
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 0.5%
0.0pp YoY
0.0pp QoQ
 -11.0pp 11.6% 10.2% 12.5% 2%
CRE 8.4%
+1.6pp YoY
+0.6pp QoQ
 -31.2pp 39.5% 34.2% 41.4% 3%
1-4 Family 90.0%
-2.1pp YoY
-0.5pp QoQ
 +57.4pp 32.6% 50.0% 31.3% 98%
Consumer 1.9%
+0.5pp YoY
0.0pp QoQ
 -2.3pp 4.1% 4.7% 5.0% 45%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio 18.6%
+1.2pp YoY
+0.1pp QoQ
 -0.2pp 18.8% 22.1% 19.7% 73%
Leverage Ratio 9.6%
+0.2pp YoY
+0.1pp QoQ
 -2.6pp 12.2% 12.9% 12.6% 23%
Total Capital Ratio 19.6%
+1.1pp YoY
+0.1pp QoQ
 -0.3pp 19.9% 23.2% 20.8% 72%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 21
-2 (-8.7%) YoY
+1 (+5.0%) QoQ
 -38 58 2,433 482 12%
Assets per Employee ($) $5.2M
+9.2% YoY
-5.2% QoQ
 -$2.3M $7.5M $7.6M $8.8M 18%
Branch Count 4
0 YoY
0 QoQ
 -1 4 81 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 0.6%
+0.1pp YoY
-0.4pp QoQ
 -0.4pp 0.9% 0.6% 1.0% 55%
Allowance Coverage 1.39x
-16.9% YoY
+65.1% QoQ
 -22.77x 24.15x 18.95x 20.23x 37%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
-0.1pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 74%

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 3.0%
-0.6pp YoY
+1.0pp QoQ
 -9.2pp 12.2% 9.7% 11.6% 8%
Cost of Funds (YTD) 1.3%
0.0pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.7% 1.7% 23%
Net Income ($, YTD) $163,000
-8.4% YoY
— QoQ
 -$2.4M $2.6M $259.3M $40.4M 5%

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)

Flatlined Growth

risk
#13 of 529 • Bottom 2.3% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.29%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Credit Quality Pressure

risk
#338 of 1256 • Bottom 26.8% in tier

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

Why this signature
Delinquency Rate: 0.55%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Efficiency Drag

risk
#135 of 361 • Bottom 37.1% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 86.77%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

446
Tier 1 Capital Ratio
capital
Value: 18.65%
Peer Median: 15.91%
#446 of 2643 Top 16.8% in $100M-$1B

Top Weaknesses (7 metrics)

2573
Total Deposits
size
Value: $90.62M
Peer Median: $326.73M
#2573 of 2643 Bottom 2.7% in $100M-$1B
2572
Total Assets
size
Value: $109.89M
Peer Median: $386.57M
#2572 of 2643 Bottom 2.7% in $100M-$1B
2486
Net Interest Margin
profitability
Value: 2.79%
Peer Median: 3.99%
#2486 of 2643 Bottom 6.0% in $100M-$1B
2475
Total Loans
size
Value: $67.37M
Peer Median: $258.35M
#2475 of 2643 Bottom 6.4% in $100M-$1B
2466
Non-Interest-Bearing Deposit Share
funding
Value: 7.88%
Peer Median: 22.03%
#2466 of 2643 Bottom 6.7% in $100M-$1B
2453
Return on Assets
profitability
Value: 0.29%
Peer Median: 1.32%
#2453 of 2643 Bottom 7.2% in $100M-$1B
2435
Efficiency Ratio
profitability
Value: 86.77%
Peer Median: 64.48%
#2435 of 2643 Bottom 7.9% in $100M-$1B
Powered by BlastPoint © 2026