BlastPoint's Banking Scorecard
Galion Building and Loan Bank
Designations: ✓ Community bank ✓ Mutual
Galion, OH
2 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 536 banks in the under $100M peer group nationwide — 1 of 24 in OH.
- Deposits +0.9% year over year ($63.3M on the books).
- Delinquency rate 0.59%.
- Return on assets 0.48%.
- Efficiency ratio 82.80% vs a 119.40% peer average.
- Loan-to-deposit ratio 87.82% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Galion Building and Loan Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 36.60% below tier average
- + Delinquency Rate 0.89% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.52% below tier average
- - Net Interest Margin 0.44% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$78.5M
+0.4% YoY
-1.2% QoQ
|
+$16.1M |
$62.4M
-0.0% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
68% |
| Total Loans ? |
$55.6M
-0.9% YoY
+2.4% QoQ
|
+$20.7M |
$34.9M
-0.6% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
83% |
| Total Deposits ? |
$63.3M
+0.9% YoY
-1.6% QoQ
|
+$11.7M |
$51.6M
-0.2% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
64% |
| Return on Assets ? |
0.48%
+52.2% YoY
+16.1% QoQ
|
-0.52% |
1.00%
+3.5% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
26% |
| Net Interest Margin ? |
3.47%
+3.9% YoY
+3.2% QoQ
|
-0.44% |
3.91%
+2.3% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
28% |
| Efficiency Ratio ? |
82.80%
-5.6% YoY
-2.2% QoQ
|
-36.60% |
119.40%
+49.6% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
26% |
| Delinquency Rate ? |
0.59%
+17.1% YoY
+104.0% QoQ
|
-0.89% |
1.48%
+31.8% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
87.82%
-1.8% YoY
+4.1% QoQ
|
+13.61% |
74.21%
+12.6% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
18.02%
-2.9% YoY
-1.3% QoQ
|
-5.47% |
23.49%
+0.6% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
32% |
| Nonperforming Asset Ratio ? |
0.42%
+15.5% YoY
+111.5% QoQ
|
-0.42% |
0.84%
+23.0% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
43% |
| Tier 1 Capital Ratio ? |
11.18%
+2.3% YoY
+0.9% QoQ
|
-15.95% |
27.13%
+3.0% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
Bottom 14.7% in tier |
| Non-Interest Income / Assets ? |
0.10%
+2.1% YoY
+107.6% QoQ
|
-1.28% |
1.38%
+6.3% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
40% |
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 |
18.0%
-0.5pp YoY -0.2pp QoQ |
-6.6pp | 24.6% | 18.8% | 22.2% | 28% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
5.2%
-2.5pp YoY -0.6pp QoQ |
-8.2pp | 13.4% | 10.2% | 12.5% | 22% |
| CRE |
7.0%
-1.1pp YoY -1.0pp QoQ |
-18.2pp | 25.2% | 34.2% | 41.4% | 7% |
| 1-4 Family |
76.0%
+4.5pp YoY +0.9pp QoQ |
+41.0pp | 35.0% | 50.0% | 31.3% | 89% |
| Consumer |
12.4%
-0.9pp YoY +0.7pp QoQ |
+4.7pp | 7.7% | 4.7% | 5.0% | 84% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 22.1% | 19.7% | n/a |
| Leverage Ratio |
11.2%
+0.2pp YoY +0.1pp QoQ |
-6.5pp | 17.7% | 12.9% | 12.6% | 31% |
| Total Capital Ratio | n/a | n/a | 39.7% | 23.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
14
-1 (-6.7%) YoY -1 (-6.7%) QoQ |
+2 | 12 | 2,433 | 482 | 67% |
| Assets per Employee ($) |
$5.6M
+7.6% YoY +5.8% QoQ |
-$579K | $6.2M | $7.6M | $8.8M | 44% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 81 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.6%
+0.2pp YoY +0.3pp QoQ |
-1.2pp | 1.7% | 0.6% | 1.0% | 44% |
| Allowance Coverage |
1.07x
-13.3% YoY -52.1% QoQ |
-5.34x | 6.41x | 18.95x | 20.23x | 44% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.1% | 0.2% | 35% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
4.4%
+1.4pp YoY +0.6pp QoQ |
-2.0pp | 6.4% | 9.7% | 11.6% | 29% |
| Cost of Funds (YTD) |
1.5%
-0.1pp YoY 0.0pp QoQ |
+0.1pp | 1.4% | 1.7% | 1.7% | 58% |
| Net Income ($, YTD) |
$190,000
+54.5% YoY — QoQ |
-$128K | $317,817 | $259.3M | $40.4M | 35% |
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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.