BlastPoint's Banking Scorecard
Ohio State Bank
Bexley, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in OH.
- Deposits +5.9% year over year ($405.4M on the books).
- Delinquency rate 1.04%.
- Return on assets 1.02%.
- Efficiency ratio 52.42% vs a 64.48% peer average.
- Loan-to-deposit ratio 104.89% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Ohio State Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 12.06% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.56% below tier average
- - Loan-to-Deposit Ratio 26.94% above tier average
- - Non-Interest-Bearing Deposit Share 13.32% below tier average
- - Non-Interest Income / Assets 0.52% below tier average
- - ROA 0.30% below tier average
- - Delinquency Rate 0.12% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$484.0M
+5.3% YoY
+0.6% QoQ
|
+$97.4M |
$386.6M
+1.2% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
70% |
| Total Loans ? |
$425.2M
+5.4% YoY
+1.1% QoQ
|
+$166.9M |
$258.3M
+1.7% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
82% |
| Total Deposits ? |
$405.4M
+5.9% YoY
+0.4% QoQ
|
+$78.6M |
$326.7M
+0.7% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
70% |
| Return on Assets ? |
1.02%
+96.1% YoY
-2.1% QoQ
|
-0.30% |
1.32%
+10.8% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
35% |
| Net Interest Margin ? |
2.43%
+32.5% YoY
+2.0% QoQ
|
-1.56% |
3.99%
+5.0% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
Bottom 2.6% in tier |
| Efficiency Ratio ? |
52.42%
-19.9% YoY
-4.7% QoQ
|
-12.06% |
64.48%
-3.2% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
78% |
| Delinquency Rate ? |
1.04%
+127.4% QoQ
|
+0.12% |
0.92%
+15.7% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
104.89%
-0.4% YoY
+0.7% QoQ
|
+26.94% |
77.95%
+1.0% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
Bottom 5.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.71%
+30.9% YoY
+24.0% QoQ
|
-13.32% |
22.03%
-0.6% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
Bottom 8.1% in tier |
| Nonperforming Asset Ratio ? |
0.91%
+128.7% QoQ
|
+0.24% |
0.67%
+16.4% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
23% |
| Tier 1 Capital Ratio ? |
11.69%
+6.4% YoY
+4.1% QoQ
|
-4.21% |
15.91%
+1.4% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
32% |
| Non-Interest Income / Assets ? |
0.04%
+274.6% YoY
+116.4% QoQ
|
-0.52% |
0.57%
+7.6% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
Bottom 4.7% in tier |
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 |
8.7%
+2.1pp YoY +1.7pp QoQ |
-13.4pp | 22.1% | 18.8% | 22.2% | 8% |
| Brokered Deposits |
24.1%
+5.1pp YoY -3.7pp QoQ |
+16.3pp | 7.9% | 7.7% | 8.5% | 94% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.4%
+0.1pp YoY +0.2pp QoQ |
-7.2pp | 11.6% | 10.2% | 12.5% | 16% |
| CRE |
68.9%
+1.5pp YoY +0.1pp QoQ |
+29.4pp | 39.5% | 34.2% | 41.4% | 93% |
| 1-4 Family |
28.2%
-1.6pp YoY -0.3pp QoQ |
-4.5pp | 32.6% | 50.0% | 31.3% | 47% |
| Consumer |
0.0%
0.0pp YoY 0.0pp QoQ |
-4.1pp | 4.1% | 4.7% | 5.0% | 2% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.1% | 19.7% | n/a |
| Leverage Ratio |
11.7%
+0.7pp YoY +0.5pp QoQ |
-0.5pp | 12.2% | 12.9% | 12.6% | 61% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
23
0 YoY 0 QoQ |
-36 | 58 | 2,433 | 482 | 15% |
| Assets per Employee ($) |
$21.0M
+5.3% YoY +0.6% QoQ |
+$13.5M | $7.5M | $7.6M | $8.8M | 100% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 81 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
1.0%
+0.6pp QoQ |
+0.1pp | 0.9% | 0.6% | 1.0% | 72% |
| Allowance Coverage |
1.03x
-56.2% QoQ |
-23.12x | 24.15x | 18.95x | 20.23x | 28% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.3%
+4.4pp YoY -0.3pp QoQ |
-2.9pp | 12.2% | 9.7% | 11.6% | 32% |
| Cost of Funds (YTD) |
2.8%
-0.5pp YoY 0.0pp QoQ |
+1.1pp | 1.7% | 1.7% | 1.7% | 96% |
| Net Income ($, YTD) |
$2.5M
+106.6% YoY — QoQ |
-$90K | $2.6M | $259.3M | $40.4M | 61% |
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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.