BlastPoint's Banking Scorecard
United Midwest Savings Bank, National Association
Degraff, OH
6 branches across OH
United Midwest Savings Bank, National Association has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 6.6% in tier
- + Return on Assets 0.93% above tier average
- + Net Interest Margin 0.48% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 34.1% in tier
- - Non-Interest-Bearing Deposit Share 17.25% below tier average
- - Efficiency Ratio 4.25% above tier average
- - Delinquency Rate 0.26% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$520.6M
+6.5% YoY
+2.8% QoQ
|
+$134.5M |
$386.1M
+0.5% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
74% |
| Total Loans ? |
$363.1M
+15.0% YoY
+4.6% QoQ
|
+$107.4M |
$255.7M
+1.1% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
76% |
| Total Deposits ? |
$429.7M
+7.6% YoY
+2.4% QoQ
|
+$101.7M |
$328.0M
+0.1% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
73% |
| Return on Assets ? |
2.20%
+3.0% YoY
+125.4% QoQ
|
+0.93% |
1.27%
+12.9% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
Top 8.5% in tier |
| Net Interest Margin ? |
4.41%
-0.9% YoY
-5.7% QoQ
|
+0.48% |
3.93%
+6.0% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
78% |
| Efficiency Ratio ? |
69.54%
-0.4% YoY
-6.5% QoQ
|
+4.25% |
65.29%
-4.5% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
33% |
| Delinquency Rate ? |
1.15%
-48.5% YoY
-5.1% QoQ
|
+0.26% |
0.89%
+18.8% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
84.51%
+6.9% YoY
+2.1% QoQ
|
+7.87% |
76.64%
+0.8% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
4.77%
-19.1% YoY
-3.0% QoQ
|
-17.25% |
22.02%
-1.0% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
Bottom 3.3% in tier |
| Nonperforming Asset Ratio ? |
0.80%
-44.4% YoY
-3.4% QoQ
|
+0.16% |
0.64%
+19.7% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
26% |
| Tier 1 Capital Ratio ? |
18.98%
-2.4% YoY
-1.0% QoQ
|
+3.15% |
15.83%
+1.5% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
84% |
| Non-Interest Income / Assets ? |
1.94%
+6.4% YoY
-68.4% QoQ
|
+1.66% |
0.28%
+9.3% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
Top 0.9% in tier |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.