BlastPoint's Banking Scorecard

Galion Building and Loan Bank

under $100M Specialty: Mortgage OH FDIC cert 32307

Designations: ✓ Community bank ✓ Mutual

Galion, OH

2 branches across OH

537 banks in the under $100M peer group nationally 22 in OH

Galion Building and Loan Bank has 2 strengths but faces 2 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

+ Efficiency Ratio 2.99% below tier average
+ Delinquency Rate 1.07% below tier average

Key Concerns

Areas that may need attention

- ROA 0.44% below tier average
- Net Interest Margin 0.51% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$79.5M +2.9% YoY +1.0% QoQ	+$17.2M	$62.3M -0.5% YoY	$36.0B +10.6% YoY	$6.2B +9.0% YoY	71%
Total Loans ?	$54.3M -1.5% YoY -1.2% QoQ	+$20.0M	$34.3M -1.5% YoY	$15.8B +12.8% YoY	$3.2B +10.7% YoY	82%
Total Deposits ?	$64.3M +2.9% YoY +0.9% QoQ	+$12.5M	$51.8M -0.6% YoY	$26.1B +8.5% YoY	$4.8B +8.0% YoY	65%
Return on Assets ?	0.41% +43.5% YoY +14.4% QoQ	-0.44%	0.86% -3.6% YoY	1.13% +9.6% YoY	1.24% +13.1% YoY	26%
Net Interest Margin ?	3.36% +3.2% YoY -1.4% QoQ	-0.51%	3.87% +2.7% YoY	3.59% +7.5% YoY	3.89% +5.7% YoY	27%
Efficiency Ratio ?	84.64% -3.9% YoY -1.6% QoQ	-2.99%	87.63% +2.3% YoY	72.32% -4.0% YoY	66.84% -3.8% YoY	26%
Delinquency Rate ?	0.29% +1.5% YoY -17.3% QoQ	-1.07%	1.36% +33.7% YoY	0.66% +14.5% YoY	0.95% +18.8% YoY	54%
Loan-to-Deposit Ratio ?	84.36% -4.3% YoY -2.1% QoQ	+20.25%	64.11% -0.9% YoY	79.14% +0.8% YoY	76.69% +0.9% YoY	21%
Non-Interest-Bearing Deposit Share ?	18.25% +1.2% YoY -2.7% QoQ	-5.53%	23.79% +0.5% YoY	18.19% -0.4% YoY	22.01% -1.1% YoY	34%
Nonperforming Asset Ratio ?	0.20% -2.8% YoY -19.2% QoQ	-0.58%	0.77% +28.7% YoY	0.44% +14.5% YoY	0.66% +19.3% YoY	53%
Tier 1 Capital Ratio ?	11.08% +1.8% YoY +2.1% QoQ	-15.69%	26.77% +2.0% YoY	19.42% +3.1% YoY	17.06% +0.8% YoY	Bottom 13.4% in tier
Non-Interest Income / Assets ?	0.05% -5.2% YoY -75.1% QoQ	-0.62%	0.67% +1.6% YoY	0.57% -2.5% YoY	0.32% +4.0% YoY	41%

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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 (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 537 peers in under $100M

Top Strengths (1 metrics)

Total Loans

size

Value: $54.28M

Peer Median: $34.29M

#96 of 537 Top 17.7% in under $100M

Top Weaknesses (2 metrics)

466

Tier 1 Capital Ratio

capital

Value: 11.08%

Peer Median: 26.77%

#466 of 537 Bottom 13.4% in under $100M

425

Loan-to-Deposit Ratio

liquidity

Value: 84.36%

Peer Median: 64.11%

#425 of 537 Bottom 21.0% in under $100M