BlastPoint's Banking Scorecard
Ohio State Bank
Bexley, OH
2 branches across OH
Ohio State Bank has 2 strengths but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 10.28% below tier average
- + Delinquency Rate 0.43% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 42.9% in tier
- - Net Interest Margin 1.55% below tier average
- - Loan-to-Deposit Ratio 27.51% above tier average
- - Non-Interest-Bearing Deposit Share 15.00% below tier average
- - Non-Interest Income / Assets 0.26% below tier average
- - ROA 0.23% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$481.1M
+5.6% YoY
-0.3% QoQ
|
+$95.0M |
$386.1M
+0.5% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
70% |
| Total Loans ? |
$420.4M
+6.1% YoY
-1.5% QoQ
|
+$164.7M |
$255.7M
+1.1% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
82% |
| Total Deposits ? |
$403.6M
+9.7% YoY
-1.9% QoQ
|
+$75.7M |
$328.0M
+0.1% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
70% |
| Return on Assets ? |
1.04%
+128.8% YoY
+78.0% QoQ
|
-0.23% |
1.27%
+12.9% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
41% |
| Net Interest Margin ? |
2.38%
+38.0% YoY
+17.5% QoQ
|
-1.55% |
3.93%
+6.0% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 2.4% in tier |
| Efficiency Ratio ? |
55.00%
-20.1% YoY
-7.9% QoQ
|
-10.28% |
65.29%
-4.5% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
73% |
| Delinquency Rate ? |
0.46%
+1.5% QoQ
|
-0.43% |
0.89%
+18.8% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
104.15%
-3.3% YoY
+0.4% QoQ
|
+27.51% |
76.64%
+0.8% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
Bottom 5.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
7.02%
-1.4% YoY
+13.5% QoQ
|
-15.00% |
22.02%
-1.0% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
Bottom 5.8% in tier |
| Nonperforming Asset Ratio ? |
0.40%
+0.4% QoQ
|
-0.24% |
0.64%
+19.7% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
43% |
| Tier 1 Capital Ratio ? |
11.23%
+1.4% YoY
+2.2% QoQ
|
-4.60% |
15.83%
+1.5% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
26% |
| Non-Interest Income / Assets ? |
0.02%
-53.2% QoQ
|
-0.26% |
0.28%
+9.3% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
Bottom 4.4% in tier |
Get Full Access to Ohio State Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (1)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.