BlastPoint's Banking Scorecard

First Federal Community Bank, National Association

$100M-$1B Specialty: Commercial OH FDIC cert 29787

Dover, 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 +17.2% year over year ($897.2M on the books).
Delinquency rate 0.08%.
Return on assets 1.86%.
Efficiency ratio 43.43% vs a 64.48% peer average.
Loan-to-deposit ratio 84.02% 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 Federal Community Bank, National Association shows strong momentum with 3 strengths and 17.4% YoY asset growth

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

+ Credit Quality Leader: Top 13.2% in tier
+ Profitability Leader: Top 48.3% in tier
+ Efficiency Ratio 21.05% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when First Federal Community Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$994.6M +17.4% YoY +6.1% QoQ	+$608.0M	$386.6M +1.2% YoY	$36.7B +9.4% YoY	$6.3B +7.7% YoY	Top 0.2% in tier
Total Loans ?	$753.8M +13.9% YoY +2.4% QoQ	+$495.5M	$258.3M +1.7% YoY	$16.2B +12.1% YoY	$3.2B +9.4% YoY	Top 0.9% in tier
Total Deposits ?	$897.2M +17.2% YoY +8.9% QoQ	+$570.5M	$326.7M +0.7% YoY	$26.4B +7.6% YoY	$4.9B +7.3% YoY	Top 0.1% in tier
Return on Assets ?	1.86% +19.7% YoY +5.9% QoQ	+0.54%	1.32% +10.8% YoY	1.21% +9.4% YoY	1.30% +12.1% YoY	83%
Net Interest Margin ?	3.97% +7.3% YoY +0.6% QoQ	-0.02%	3.99% +5.0% YoY	3.65% +6.4% YoY	3.95% +4.9% YoY	51%
Efficiency Ratio ?	43.43% -10.1% YoY -3.3% QoQ	-21.05%	64.48% -3.2% YoY	70.70% -3.8% YoY	70.05% +2.5% YoY	Top 7.0% in tier
Delinquency Rate ?	0.08% -26.4% YoY -46.4% QoQ	-0.84%	0.92% +15.7% YoY	0.68% +23.3% YoY	0.98% +16.3% YoY	76%
Loan-to-Deposit Ratio ?	84.02% -2.8% YoY -5.9% QoQ	+6.07%	77.95% +1.0% YoY	79.88% +0.7% YoY	79.03% +2.3% YoY	40%
Non-Interest-Bearing Deposit Share ?	19.73% -8.4% YoY -0.8% QoQ	-2.30%	22.03% -0.6% YoY	18.59% +0.9% YoY	21.98% -0.6% YoY	45%
Nonperforming Asset Ratio ?	0.06% -28.5% YoY -48.2% QoQ	-0.61%	0.67% +16.4% YoY	0.46% +23.9% YoY	0.69% +15.8% YoY	77%
Tier 1 Capital Ratio ?	12.74% +2.3% YoY +2.9% QoQ	-3.17%	15.91% +1.4% YoY	18.68% -0.2% YoY	17.09% +0.8% YoY	44%
Non-Interest Income / Assets ?	0.23% +7.6% YoY +94.3% QoQ	-0.34%	0.57% +7.6% YoY	1.22% +2.7% YoY	0.66% +5.2% YoY	58%

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	19.7% -1.8pp YoY -0.2pp QoQ	-2.4pp	22.1%	18.8%	22.2%	44%
Brokered Deposits	0.0% 0.0pp YoY 0.0pp QoQ	-7.9pp	7.9%	7.7%	8.5%	3%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
C&I	8.3% -0.9pp YoY -0.1pp QoQ	-3.2pp	11.6%	10.2%	12.5%	42%
CRE	34.0% -0.9pp YoY -0.7pp QoQ	-5.5pp	39.5%	34.2%	41.4%	42%
1-4 Family	42.0% +0.8pp YoY +1.0pp QoQ	+9.4pp	32.6%	50.0%	31.3%	73%
Consumer	0.7% -0.2pp YoY -0.1pp QoQ	-3.4pp	4.1%	4.7%	5.0%	22%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
CET1 Ratio	12.7% +0.3pp YoY +0.4pp QoQ	-6.1pp	18.8%	22.1%	19.7%	24%
Leverage Ratio	9.4% 0.0pp YoY -0.3pp QoQ	-2.8pp	12.2%	12.9%	12.6%	19%
Total Capital Ratio	13.8% +0.3pp YoY +0.4pp QoQ	-6.1pp	19.9%	23.2%	20.8%	24%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Full-Time Employees	104 +2 (+2.0%) YoY +3 (+3.0%) QoQ	+45	58	2,433	482	88%
Assets per Employee ($)	$9.6M +15.1% YoY +3.0% QoQ	+$2.0M	$7.5M	$7.6M	$8.8M	83%
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	0.1% 0.0pp YoY -0.1pp QoQ	-0.9pp	0.9%	0.6%	1.0%	16%
Allowance Coverage	12.80x +35.4% YoY +85.5% QoQ	-11.36x	24.15x	18.95x	20.23x	85%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	27%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
ROE	21.0% +2.6pp YoY +1.3pp QoQ	+8.8pp	12.2%	9.7%	11.6%	90%
Cost of Funds (YTD)	1.9% -0.1pp YoY 0.0pp QoQ	+0.2pp	1.7%	1.7%	1.7%	63%
Net Income ($, YTD)	$8.7M +33.6% YoY — QoQ	+$6.2M	$2.6M	$259.3M	$40.4M	98%

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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 (2)

Credit Quality Leader

growth

#88 of 659 • Top 13.2% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.08%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ

Profitability Leader

growth

#320 of 661 • Top 48.3% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.86%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (7 metrics)

Total Deposits

size

Value: $897.20M

Peer Median: $326.73M

#2 of 2643 Top 0.1% in $100M-$1B

Total Assets

size

Value: $994.59M

Peer Median: $386.57M

#5 of 2643 Top 0.2% in $100M-$1B

Total Loans

size

Value: $753.81M

Peer Median: $258.35M

#24 of 2643 Top 0.9% in $100M-$1B

187

Efficiency Ratio

profitability

Value: 43.43%

Peer Median: 64.48%

#187 of 2643 Top 7.0% in $100M-$1B

455

Return on Assets

profitability

Value: 1.86%

Peer Median: 1.32%

#455 of 2643 Top 17.2% in $100M-$1B

599

Nonperforming Asset Ratio

credit_quality

Value: 0.06%

Peer Median: 0.67%

#599 of 2643 Top 22.6% in $100M-$1B

627

Delinquency Rate

credit_quality

Value: 0.08%

Peer Median: 0.92%

#627 of 2633 Top 23.8% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available