BlastPoint's Banking Scorecard
Woodsfield Savings Bank
Woodsfield, OH
3 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 +7.8% year over year ($112.7M on the books).
- Delinquency rate 0.93%.
- Return on assets 1.10%.
- Efficiency ratio 68.32% vs a 64.48% peer average.
- Loan-to-deposit ratio 78.52% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Woodsfield Savings Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.75% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.22% below tier average
- - Efficiency Ratio 3.84% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$123.3M
+8.1% YoY
+1.2% QoQ
|
-$263.3M |
$386.6M
+1.2% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
Bottom 6.7% in tier |
| Total Loans ? |
$88.5M
+10.0% YoY
+2.8% QoQ
|
-$169.9M |
$258.3M
+1.7% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
Bottom 14.2% in tier |
| Total Deposits ? |
$112.7M
+7.8% YoY
+1.1% QoQ
|
-$214.0M |
$326.7M
+0.7% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
Bottom 9.5% in tier |
| Return on Assets ? |
1.10%
+102.5% YoY
+5.0% QoQ
|
-0.22% |
1.32%
+10.8% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
41% |
| Net Interest Margin ? |
4.74%
+19.9% YoY
+2.3% QoQ
|
+0.75% |
3.99%
+5.0% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
Top 13.1% in tier |
| Efficiency Ratio ? |
68.32%
-12.5% YoY
-1.1% QoQ
|
+3.84% |
64.48%
-3.2% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
34% |
| Delinquency Rate ? |
0.93%
+49.2% YoY
+31.3% QoQ
|
+0.02% |
0.92%
+15.7% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
78.52%
+2.0% YoY
+1.6% QoQ
|
+0.57% |
77.95%
+1.0% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
26.50%
+16.3% YoY
+3.1% QoQ
|
+4.47% |
22.03%
-0.6% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
72% |
| Nonperforming Asset Ratio ? |
0.74%
+66.7% YoY
+46.4% QoQ
|
+0.07% |
0.67%
+16.4% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
29% |
| Tier 1 Capital Ratio ? |
14.23%
-1.5% YoY
-0.9% QoQ
|
-1.68% |
15.91%
+1.4% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
59% |
| Non-Interest Income / Assets ? |
0.21%
-6.4% YoY
+111.7% QoQ
|
-0.36% |
0.57%
+7.6% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
52% |
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 |
26.5%
+3.7pp YoY +0.8pp QoQ |
+4.4pp | 22.1% | 18.8% | 22.2% | 72% |
| 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 |
7.5%
+1.2pp YoY +0.2pp QoQ |
-4.0pp | 11.6% | 10.2% | 12.5% | 36% |
| CRE |
16.9%
+0.6pp YoY +0.6pp QoQ |
-22.6pp | 39.5% | 34.2% | 41.4% | 13% |
| 1-4 Family |
63.7%
-0.1pp YoY -0.3pp QoQ |
+31.0pp | 32.6% | 50.0% | 31.3% | 92% |
| Consumer |
12.5%
-1.6pp YoY -0.5pp QoQ |
+8.4pp | 4.1% | 4.7% | 5.0% | 95% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.2%
-0.2pp YoY -0.1pp QoQ |
-4.6pp | 18.8% | 22.1% | 19.7% | 42% |
| Leverage Ratio |
8.6%
0.0pp YoY -0.1pp QoQ |
-3.6pp | 12.2% | 12.9% | 12.6% | 7% |
| Total Capital Ratio |
15.5%
-0.2pp YoY -0.1pp QoQ |
-4.5pp | 19.9% | 23.2% | 20.8% | 43% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
25
0 YoY -2 (-7.4%) QoQ |
-34 | 58 | 2,433 | 482 | 19% |
| Assets per Employee ($) |
$4.9M
+8.1% YoY +9.3% QoQ |
-$2.6M | $7.5M | $7.6M | $8.8M | 14% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 81 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.9%
+0.3pp YoY +0.2pp QoQ |
0.0pp | 0.9% | 0.6% | 1.0% | 70% |
| Allowance Coverage |
1.11x
-26.6% YoY -23.3% QoQ |
-23.04x | 24.15x | 18.95x | 20.23x | 30% |
| Net Charge-off Rate (YTD) |
0.1%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 70% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.4%
+6.5pp YoY +0.7pp QoQ |
+1.2pp | 12.2% | 9.7% | 11.6% | 58% |
| Cost of Funds (YTD) |
1.2%
-0.3pp YoY 0.0pp QoQ |
-0.6pp | 1.7% | 1.7% | 1.7% | 17% |
| Net Income ($, YTD) |
$660,000
+116.4% YoY — QoQ |
-$1.9M | $2.6M | $259.3M | $40.4M | 15% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.