BlastPoint's Banking Scorecard
First Bank of Central Ohio
Worthington, OH
3 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 +27.2% year over year ($232.4M on the books).
- Delinquency rate 1.50%.
- Return on assets -0.23%.
- Efficiency ratio 97.32% vs a 64.48% peer average.
- Loan-to-deposit ratio 84.86% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Bank of Central Ohio faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.56% below tier average
- - Net Interest Margin 1.03% below tier average
- - Efficiency Ratio 32.85% above tier average
- - Delinquency Rate 0.58% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$260.9M
+23.4% YoY
+6.0% QoQ
|
-$125.7M |
$386.6M
+1.2% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
39% |
| Total Loans ? |
$197.2M
+15.6% YoY
-0.1% QoQ
|
-$61.1M |
$258.3M
+1.7% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
47% |
| Total Deposits ? |
$232.4M
+27.2% YoY
+7.2% QoQ
|
-$94.3M |
$326.7M
+0.7% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
41% |
| Return on Assets ? |
-0.23%
+39.6% YoY
-18.6% QoQ
|
-1.56% |
1.32%
+10.8% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
Bottom 2.6% in tier |
| Net Interest Margin ? |
2.96%
-6.3% YoY
-1.6% QoQ
|
-1.03% |
3.99%
+5.0% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
Bottom 8.7% in tier |
| Efficiency Ratio ? |
97.32%
-6.5% YoY
-3.0% QoQ
|
+32.85% |
64.48%
-3.2% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
Bottom 2.7% in tier |
| Delinquency Rate ? |
1.50%
+86.5% QoQ
|
+0.58% |
0.92%
+15.7% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
84.86%
-9.1% YoY
-6.9% QoQ
|
+6.91% |
77.95%
+1.0% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
12.52%
+9.8% YoY
+20.7% QoQ
|
-9.51% |
22.03%
-0.6% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
16% |
| Nonperforming Asset Ratio ? |
1.17%
+81.4% QoQ
|
+0.50% |
0.67%
+16.4% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
17% |
| Tier 1 Capital Ratio ? |
9.86%
-17.7% YoY
-3.4% QoQ
|
-6.05% |
15.91%
+1.4% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
Bottom 8.9% in tier |
| Non-Interest Income / Assets ? |
0.23%
-53.3% YoY
+68.8% QoQ
|
-0.34% |
0.57%
+7.6% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
58% |
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 |
12.5%
+1.1pp YoY +2.2pp QoQ |
-9.6pp | 22.1% | 18.8% | 22.2% | 15% |
| Brokered Deposits | n/a | n/a | 7.9% | 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 |
20.1%
-1.7pp YoY -0.6pp QoQ |
+8.5pp | 11.6% | 10.2% | 12.5% | 88% |
| CRE |
52.9%
-1.1pp YoY +0.2pp QoQ |
+13.4pp | 39.5% | 34.2% | 41.4% | 75% |
| 1-4 Family |
27.2%
+2.8pp YoY +0.3pp QoQ |
-5.5pp | 32.6% | 50.0% | 31.3% | 45% |
| Consumer |
0.1%
+0.1pp YoY 0.0pp QoQ |
-4.0pp | 4.1% | 4.7% | 5.0% | 6% |
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 |
9.9%
-2.1pp YoY -0.3pp QoQ |
-2.3pp | 12.2% | 12.9% | 12.6% | 28% |
| 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 |
34
0 YoY -1 (-2.9%) QoQ |
-25 | 58 | 2,433 | 482 | 33% |
| Assets per Employee ($) |
$7.7M
+23.4% YoY +9.1% QoQ |
+$156K | $7.5M | $7.6M | $8.8M | 64% |
| Branch Count |
3
+1 (+50.0%) YoY +1 (+50.0%) QoQ |
-2 | 4 | 81 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
1.5%
+0.7pp QoQ |
+0.6pp | 0.9% | 0.6% | 1.0% | 82% |
| Allowance Coverage |
0.73x
-52.6% QoQ |
-23.43x | 24.15x | 18.95x | 20.23x | 18% |
| Net Charge-off Rate (YTD) |
0.6%
+0.1pp YoY |
+0.5pp | 0.1% | 0.1% | 0.2% | 95% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-2.2%
+0.8pp YoY -0.4pp QoQ |
-14.4pp | 12.2% | 9.7% | 11.6% | 2% |
| Cost of Funds (YTD) |
2.9%
-0.3pp YoY 0.0pp QoQ |
+1.2pp | 1.7% | 1.7% | 1.7% | 96% |
| Net Income ($, YTD) |
$-296000.0
+25.3% YoY — QoQ |
-$2.9M | $2.6M | $259.3M | $40.4M | 3% |
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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.