BlastPoint's Banking Scorecard
First Federal Community Bank, National Association
Dover, OH
8 branches across OH
First Federal Community Bank, National Association has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 20.39% below tier average
- + ROA 0.49% above tier average
- + Delinquency Rate 0.74% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 13.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$937.6M
+12.0% YoY
+5.3% QoQ
|
+$551.6M |
$386.1M
+0.5% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
Top 2.4% in tier |
| Total Loans ? |
$736.0M
+14.6% YoY
+4.2% QoQ
|
+$480.3M |
$255.7M
+1.1% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
Top 1.4% in tier |
| Total Deposits ? |
$824.1M
+8.8% YoY
+4.9% QoQ
|
+$496.2M |
$328.0M
+0.1% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
Top 1.6% in tier |
| Return on Assets ? |
1.76%
+20.3% YoY
+5.7% QoQ
|
+0.49% |
1.27%
+12.9% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
80% |
| Net Interest Margin ? |
3.95%
+11.3% YoY
+1.9% QoQ
|
+0.02% |
3.93%
+6.0% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
54% |
| Efficiency Ratio ? |
44.89%
-9.2% YoY
-4.7% QoQ
|
-20.39% |
65.29%
-4.5% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
Top 8.9% in tier |
| Delinquency Rate ? |
0.15%
+63.3% YoY
-15.6% QoQ
|
-0.74% |
0.89%
+18.8% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
89.30%
+5.3% YoY
-0.7% QoQ
|
+12.66% |
76.64%
+0.8% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
19.89%
-1.1% YoY
-6.7% QoQ
|
-2.13% |
22.02%
-1.0% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
45% |
| Nonperforming Asset Ratio ? |
0.11%
+67.1% YoY
-16.4% QoQ
|
-0.52% |
0.64%
+19.7% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
69% |
| Tier 1 Capital Ratio ? |
12.38%
-1.7% YoY
-0.4% QoQ
|
-3.45% |
15.83%
+1.5% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
40% |
| Non-Interest Income / Assets ? |
0.12%
+19.4% YoY
-72.8% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
61% |
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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)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.