BlastPoint's Banking Scorecard

Mercer Savings Bank

$100M-$1B Specialty: Mortgage OH FDIC cert 30084

Celina, OH

7 branches across OH · IN

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 +2.8% year over year ($146.4M on the books).
Delinquency rate 0.08%.
Return on assets 0.79%.
Efficiency ratio 78.42% vs a 64.48% peer average.
Loan-to-deposit ratio 103.08% 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) →

Mercer Savings Bank has 2 strengths but faces 5 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

+ Net Interest Margin 0.54% above tier average
+ Delinquency Rate 0.83% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 17.2% in tier
- Flatlined Growth: Bottom 22.1% in tier
- Liquidity Strain: Bottom 33.7% in tier
- ROA 0.53% below tier average
- Efficiency Ratio 13.95% above tier average

Get updates when Mercer Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$176.2M +0.1% YoY +1.2% QoQ	-$210.4M	$386.6M +1.2% YoY	$36.7B +9.4% YoY	$6.3B +7.7% YoY	21%
Total Loans ?	$151.0M -0.9% YoY +1.7% QoQ	-$107.4M	$258.3M +1.7% YoY	$16.2B +12.1% YoY	$3.2B +9.4% YoY	35%
Total Deposits ?	$146.4M +2.8% YoY -1.5% QoQ	-$180.3M	$326.7M +0.7% YoY	$26.4B +7.6% YoY	$4.9B +7.3% YoY	21%
Return on Assets ?	0.79% +37.3% YoY -0.6% QoQ	-0.53%	1.32% +10.8% YoY	1.21% +9.4% YoY	1.30% +12.1% YoY	23%
Net Interest Margin ?	4.53% +9.3% YoY -0.6% QoQ	+0.54%	3.99% +5.0% YoY	3.65% +6.4% YoY	3.95% +4.9% YoY	81%
Efficiency Ratio ?	78.42% -3.2% YoY +0.3% QoQ	+13.95%	64.48% -3.2% YoY	70.70% -3.8% YoY	70.05% +2.5% YoY	16%
Delinquency Rate ?	0.08% -84.1% YoY -53.6% QoQ	-0.83%	0.92% +15.7% YoY	0.68% +23.3% YoY	0.98% +16.3% YoY	76%
Loan-to-Deposit Ratio ?	103.08% -3.6% YoY +3.3% QoQ	+25.13%	77.95% +1.0% YoY	79.88% +0.7% YoY	79.03% +2.3% YoY	Bottom 7.0% in tier
Non-Interest-Bearing Deposit Share ?	12.68% +12.9% YoY +15.3% QoQ	-9.35%	22.03% -0.6% YoY	18.59% +0.9% YoY	21.98% -0.6% YoY	16%
Nonperforming Asset Ratio ?	0.07% -84.2% YoY -53.3% QoQ	-0.60%	0.67% +16.4% YoY	0.46% +23.9% YoY	0.69% +15.8% YoY	75%
Tier 1 Capital Ratio ?	19.15% +17.8% YoY +2.0% QoQ	+3.24%	15.91% +1.4% YoY	18.68% -0.2% YoY	17.09% +0.8% YoY	84%
Non-Interest Income / Assets ?	0.12% +10.6% YoY +100.6% QoQ	-0.45%	0.57% +7.6% YoY	1.22% +2.7% YoY	0.66% +5.2% YoY	25%

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	12.7% +1.4pp YoY +1.7pp QoQ	-9.5pp	22.1%	18.8%	22.2%	16%
Brokered Deposits	15.1% -0.3pp YoY -0.5pp QoQ	+7.2pp	7.9%	7.7%	8.5%	85%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
C&I	0.7% -0.4pp YoY 0.0pp QoQ	-10.9pp	11.6%	10.2%	12.5%	3%
CRE	7.1% +1.9pp YoY +1.5pp QoQ	-32.4pp	39.5%	34.2%	41.4%	2%
1-4 Family	64.1% +12.3pp YoY +2.0pp QoQ	+31.4pp	32.6%	50.0%	31.3%	92%
Consumer	6.3% -2.9pp YoY -0.8pp QoQ	+2.2pp	4.1%	4.7%	5.0%	83%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
CET1 Ratio	19.1% +2.9pp YoY +0.4pp QoQ	+0.3pp	18.8%	22.1%	19.7%	75%
Leverage Ratio	13.2% +1.1pp YoY +0.2pp QoQ	+1.0pp	12.2%	12.9%	12.6%	76%
Total Capital Ratio	19.9% +2.9pp YoY +0.4pp QoQ	0.0pp	19.9%	23.2%	20.8%	73%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Full-Time Employees	35 +3 (+9.4%) YoY +1 (+2.9%) QoQ	-24	58	2,433	482	35%
Assets per Employee ($)	$5.0M -8.5% YoY -1.7% QoQ	-$2.5M	$7.5M	$7.6M	$8.8M	15%
Branch Count	7 +3 (+75.0%) YoY 0 QoQ	+2	4	81	18	75%

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% -0.4pp YoY 0.0pp QoQ	-0.9pp	0.9%	0.6%	1.0%	16%
Allowance Coverage	7.09x +496.6% YoY +121.7% QoQ	-17.07x	24.15x	18.95x	20.23x	77%
Net Charge-off Rate (YTD)	0.0% -0.1pp YoY -0.1pp QoQ	-0.1pp	0.1%	0.1%	0.2%	58%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
ROE	6.1% +1.2pp YoY -0.1pp QoQ	-6.1pp	12.2%	9.7%	11.6%	17%
Cost of Funds (YTD)	1.4% -0.2pp YoY 0.0pp QoQ	-0.3pp	1.7%	1.7%	1.7%	30%
Net Income ($, YTD)	$692,000 +34.1% YoY — QoQ	-$1.9M	$2.6M	$259.3M	$40.4M	16%

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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)

Liquidity Overhang

risk

#129 of 742 • Bottom 17.2% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 19.15%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 103.08%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ

Flatlined Growth

risk

#118 of 529 • Bottom 22.1% 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: 0.79%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 banks QoQ

Liquidity Strain

risk

#234 of 691 • Bottom 33.7% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 103.08%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

413

Tier 1 Capital Ratio

capital

Value: 19.15%

Peer Median: 15.91%

#413 of 2643 Top 15.6% in $100M-$1B

510

Net Interest Margin

profitability

Value: 4.53%

Peer Median: 3.99%

#510 of 2643 Top 19.3% in $100M-$1B

641

Delinquency Rate

credit_quality

Value: 0.08%

Peer Median: 0.92%

#641 of 2633 Top 24.3% in $100M-$1B

657

Nonperforming Asset Ratio

credit_quality

Value: 0.07%

Peer Median: 0.67%

#657 of 2643 Top 24.8% in $100M-$1B

Top Weaknesses (7 metrics)

2459

Loan-to-Deposit Ratio

liquidity

Value: 103.08%

Peer Median: 77.95%

#2459 of 2643 Bottom 7.0% in $100M-$1B

2232

Efficiency Ratio

profitability

Value: 78.42%

Peer Median: 64.48%

#2232 of 2643 Bottom 15.6% in $100M-$1B

2214

Non-Interest-Bearing Deposit Share

funding

Value: 12.68%

Peer Median: 22.03%

#2214 of 2643 Bottom 16.3% in $100M-$1B

2102

Total Deposits

size

Value: $146.45M

Peer Median: $326.73M

#2102 of 2643 Bottom 20.5% in $100M-$1B

2098

Total Assets

size

Value: $176.21M

Peer Median: $386.57M

#2098 of 2643 Bottom 20.7% in $100M-$1B

2038

Return on Assets

profitability

Value: 0.79%

Peer Median: 1.32%

#2038 of 2643 Bottom 22.9% in $100M-$1B

1994

Non-Interest Income / Assets

revenue_mix

Value: 0.12%

Peer Median: 0.57%

#1994 of 2643 Bottom 24.6% in $100M-$1B