BlastPoint's Banking Scorecard
Southern Hills Community Bank
Designations: ✓ Mutual
Leesburg, OH
8 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 +4.2% year over year ($179.5M on the books).
- Delinquency rate 1.60%.
- Return on assets 0.62%.
- Efficiency ratio 82.52% vs a 64.48% peer average.
- Loan-to-deposit ratio 57.18% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Southern Hills Community Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.27% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 19.4% in tier
- - ROA 0.70% below tier average
- - Delinquency Rate 0.68% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$209.6M
+4.1% YoY
+1.9% QoQ
|
-$177.0M |
$386.6M
+1.2% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
29% |
| Total Loans ? |
$102.6M
-8.0% YoY
-1.2% QoQ
|
-$155.7M |
$258.3M
+1.7% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
20% |
| Total Deposits ? |
$179.5M
+4.2% YoY
+1.9% QoQ
|
-$147.2M |
$326.7M
+0.7% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
29% |
| Return on Assets ? |
0.62%
-14.3% YoY
+13.7% QoQ
|
-0.70% |
1.32%
+10.8% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
16% |
| Net Interest Margin ? |
4.25%
+6.3% YoY
-0.4% QoQ
|
+0.27% |
3.99%
+5.0% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
68% |
| Efficiency Ratio ? |
82.52%
+0.5% YoY
-2.4% QoQ
|
+18.04% |
64.48%
-3.2% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
Bottom 11.5% in tier |
| Delinquency Rate ? |
1.60%
+191.8% YoY
+461.2% QoQ
|
+0.68% |
0.92%
+15.7% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
57.18%
-11.7% YoY
-3.0% QoQ
|
-20.77% |
77.95%
+1.0% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
Top 14.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.35%
+9.2% YoY
+2.6% QoQ
|
-6.68% |
22.03%
-0.6% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
26% |
| Nonperforming Asset Ratio ? |
0.95%
+108.6% YoY
+185.9% QoQ
|
+0.28% |
0.67%
+16.4% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
21% |
| Tier 1 Capital Ratio ? |
13.77%
-1.1% YoY
-0.2% QoQ
|
-2.14% |
15.91%
+1.4% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.18%
-63.0% YoY
+156.7% QoQ
|
-0.38% |
0.57%
+7.6% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
44% |
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 |
15.4%
+1.3pp YoY +0.4pp QoQ |
-6.8pp | 22.1% | 18.8% | 22.2% | 25% |
| 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 |
7.2%
+1.6pp YoY +1.1pp QoQ |
-4.4pp | 11.6% | 10.2% | 12.5% | 34% |
| CRE |
15.1%
-3.4pp YoY -0.2pp QoQ |
-24.4pp | 39.5% | 34.2% | 41.4% | 11% |
| 1-4 Family |
60.0%
+0.7pp YoY -1.9pp QoQ |
+27.4pp | 32.6% | 50.0% | 31.3% | 90% |
| Consumer |
5.9%
0.0pp YoY +0.4pp QoQ |
+1.8pp | 4.1% | 4.7% | 5.0% | 82% |
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 |
13.8%
-0.2pp YoY 0.0pp QoQ |
+1.6pp | 12.2% | 12.9% | 12.6% | 80% |
| 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 |
40
-5 (-11.1%) YoY +1 (+2.6%) QoQ |
-19 | 58 | 2,433 | 482 | 41% |
| Assets per Employee ($) |
$5.2M
+17.1% YoY -0.6% QoQ |
-$2.3M | $7.5M | $7.6M | $8.8M | 18% |
| Branch Count |
8
0 YoY 0 QoQ |
+3 | 4 | 81 | 18 | 82% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
1.6%
+1.1pp YoY +1.3pp QoQ |
+0.7pp | 0.9% | 0.6% | 1.0% | 83% |
| Allowance Coverage |
0.64x
-66.2% YoY -82.8% QoQ |
-23.51x | 24.15x | 18.95x | 20.23x | 15% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY +0.1pp QoQ |
0.0pp | 0.1% | 0.1% | 0.2% | 81% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
4.6%
-0.7pp YoY +0.6pp QoQ |
-7.6pp | 12.2% | 9.7% | 11.6% | 12% |
| Cost of Funds (YTD) |
1.4%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 1.7% | 1.7% | 32% |
| Net Income ($, YTD) |
$641,000
-9.1% YoY — QoQ |
-$1.9M | $2.6M | $259.3M | $40.4M | 14% |
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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 (1)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.