BlastPoint's Banking Scorecard

First Mutual Bank, FSB

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

Belpre, OH

4 branches across OH · WV

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

First Mutual Bank, FSB faces 5 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

- NIB Deposit Bleed: Bottom 25.2% in tier
- Efficiency Drag: Bottom 27.0% in tier
- Credit Quality Pressure: Bottom 44.2% in tier
- Return on Assets 1.08% below tier average
- Net Interest Margin 1.19% 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 ?	$110.4M -0.8% YoY -1.8% QoQ	-$275.7M	$386.1M +0.5% YoY	$35.8B +10.6% YoY	$6.2B +9.1% YoY	Bottom 2.8% in tier
Total Loans ?	$67.7M -2.2% YoY -1.6% QoQ	-$188.0M	$255.7M +1.1% YoY	$15.7B +12.8% YoY	$3.2B +10.8% YoY	Bottom 6.8% in tier
Total Deposits ?	$91.3M +0.7% YoY +0.2% QoQ	-$236.6M	$328.0M +0.1% YoY	$25.9B +8.5% YoY	$4.8B +8.2% YoY	Bottom 3.0% in tier
Return on Assets ?	0.19% -53.8% YoY -27.0% QoQ	-1.08%	1.27% +12.9% YoY	1.12% +9.9% YoY	1.23% +13.4% YoY	Bottom 6.3% in tier
Net Interest Margin ?	2.74% -3.6% YoY -3.9% QoQ	-1.19%	3.93% +6.0% YoY	3.58% +7.5% YoY	3.89% +5.7% YoY	Bottom 5.9% in tier
Efficiency Ratio ?	89.76% +7.9% YoY -0.5% QoQ	+24.47%	65.29% -4.5% YoY	72.65% -4.0% YoY	66.95% -4.1% YoY	Bottom 6.7% in tier
Delinquency Rate ?	0.91% +24.1% YoY +0.0% QoQ	+0.02%	0.89% +18.8% YoY	0.65% +14.5% YoY	0.95% +18.8% YoY	30%
Loan-to-Deposit Ratio ?	74.09% -2.9% YoY -1.8% QoQ	-2.55%	76.64% +0.8% YoY	79.14% +0.8% YoY	76.70% +0.9% YoY	59%
Non-Interest-Bearing Deposit Share ?	7.94% -25.9% YoY -13.4% QoQ	-14.08%	22.02% -1.0% YoY	18.08% -0.4% YoY	22.01% -1.2% YoY	Bottom 7.1% in tier
Nonperforming Asset Ratio ?	0.56% +22.3% YoY +0.2% QoQ	-0.08%	0.64% +19.7% YoY	0.44% +14.5% YoY	0.67% +19.3% YoY	35%
Tier 1 Capital Ratio ?	18.50% +3.9% YoY +2.2% QoQ	+2.67%	15.83% +1.5% YoY	19.44% +3.1% YoY	17.06% +0.8% YoY	83%
Non-Interest Income / Assets ?	0.10% -2.6% YoY -75.3% QoQ	-0.18%	0.28% +9.3% YoY	0.57% -2.4% YoY	0.32% +4.1% YoY	54%

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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 (3)

NIB Deposit Bleed

decline

#51 of 198 • Bottom 25.2% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 7.94%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ

Efficiency Drag

risk

#113 of 414 • Bottom 27.0% in tier

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

Why this signature

Efficiency Ratio: 89.76%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | QoQ rank improving

Credit Quality Pressure

risk

#579 of 1308 • Bottom 44.2% in tier

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

Why this signature

Delinquency Rate: 0.91%

(Tier: 0.89%, National: 0.95%)

worse than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

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)

466

Tier 1 Capital Ratio

capital

Value: 18.50%

Peer Median: 15.83%

#466 of 2664 Top 17.5% in $100M-$1B

Top Weaknesses (7 metrics)

2590

Total Assets

size

Value: $110.41M

Peer Median: $386.08M

#2590 of 2664 Bottom 2.8% in $100M-$1B

2585

Total Deposits

size

Value: $91.33M

Peer Median: $327.97M

#2585 of 2664 Bottom 3.0% in $100M-$1B

2508

Net Interest Margin

profitability

Value: 2.74%

Peer Median: 3.93%

#2508 of 2664 Bottom 5.9% in $100M-$1B

2496

Return on Assets

profitability

Value: 0.19%

Peer Median: 1.27%

#2496 of 2664 Bottom 6.3% in $100M-$1B

2487

Efficiency Ratio

profitability

Value: 89.76%

Peer Median: 65.29%

#2487 of 2664 Bottom 6.7% in $100M-$1B

2485

Total Loans

size

Value: $67.67M

Peer Median: $255.72M

#2485 of 2664 Bottom 6.8% in $100M-$1B

2475

Non-Interest-Bearing Deposit Share

funding

Value: 7.94%

Peer Median: 22.02%

#2475 of 2664 Bottom 7.1% in $100M-$1B