BlastPoint's Banking Scorecard

Adelphi Bank

$100M-$1B Specialty: Commercial OH FDIC cert 59292

Designations: ✓ Minority Depository Institution

Columbus, OH

2664 banks in the $100M-$1B peer group nationally 98 in OH

Adelphi Bank has 3 strengths but faces 4 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

+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ Net Interest Margin 0.90% above tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 29.2% in tier
- Return on Assets 1.12% below tier average
- Efficiency Ratio 26.19% above tier average
- Non-Interest Income / Assets 0.26% below tier average

Get updates when Adelphi Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$117.0M +50.5% YoY +10.0% QoQ	-$269.1M	$386.1M +0.5% YoY	$35.8B +10.6% YoY	$6.2B +9.1% YoY	Bottom 5.1% in tier
Total Loans ?	$92.7M +54.6% YoY +7.4% QoQ	-$163.0M	$255.7M +1.1% YoY	$15.7B +12.8% YoY	$3.2B +10.8% YoY	17%
Total Deposits ?	$96.9M +69.3% YoY +12.3% QoQ	-$231.1M	$328.0M +0.1% YoY	$25.9B +8.5% YoY	$4.8B +8.2% YoY	Bottom 4.6% in tier
Return on Assets ?	0.15% +105.9% YoY +112.7% QoQ	-1.12%	1.27% +12.9% YoY	1.12% +9.9% YoY	1.23% +13.4% YoY	Bottom 5.6% in tier
Net Interest Margin ?	4.83% -7.0% YoY -4.5% QoQ	+0.90%	3.93% +6.0% YoY	3.58% +7.5% YoY	3.89% +5.7% YoY	Top 10.3% in tier
Efficiency Ratio ?	91.47% -33.7% YoY -20.2% QoQ	+26.19%	65.29% -4.5% YoY	72.65% -4.0% YoY	66.95% -4.1% YoY	Bottom 5.5% in tier
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.65% +14.5% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	95.70% -8.7% YoY -4.4% QoQ	+19.06%	76.64% +0.8% YoY	79.14% +0.8% YoY	76.70% +0.9% YoY	Bottom 14.6% in tier
Non-Interest-Bearing Deposit Share ?	14.18% +22.2% YoY -10.3% QoQ	-7.84%	22.02% -1.0% YoY	18.08% -0.4% YoY	22.01% -1.2% YoY	21%
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.44% +14.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	16.52% -36.4% YoY -15.8% QoQ	+0.69%	15.83% +1.5% YoY	19.44% +3.1% YoY	17.06% +0.8% YoY	75%
Non-Interest Income / Assets ?	0.02% -20.9% YoY -79.1% QoQ	-0.26%	0.28% +9.3% YoY	0.57% -2.4% YoY	0.32% +4.1% YoY	Bottom 4.8% in tier

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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 (1)

Liquidity Overhang

risk

#217 of 739 • Bottom 29.2% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 16.52%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 95.70%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

276

Net Interest Margin

profitability

Value: 4.83%

Peer Median: 3.93%

#276 of 2664 Top 10.3% in $100M-$1B

Top Weaknesses (8 metrics)

2542

Total Deposits

size

Value: $96.87M

Peer Median: $327.97M

#2542 of 2664 Bottom 4.6% in $100M-$1B

2538

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.28%

#2538 of 2664 Bottom 4.8% in $100M-$1B

2530

Total Assets

size

Value: $116.98M

Peer Median: $386.08M

#2530 of 2664 Bottom 5.1% in $100M-$1B

2518

Efficiency Ratio

profitability

Value: 91.47%

Peer Median: 65.29%

#2518 of 2664 Bottom 5.5% in $100M-$1B

2515

Return on Assets

profitability

Value: 0.15%

Peer Median: 1.27%

#2515 of 2664 Bottom 5.6% in $100M-$1B

2277

Loan-to-Deposit Ratio

liquidity

Value: 95.70%

Peer Median: 76.64%

#2277 of 2664 Bottom 14.6% in $100M-$1B

2216

Total Loans

size

Value: $92.70M

Peer Median: $255.72M

#2216 of 2664 Bottom 16.9% in $100M-$1B

2104

Non-Interest-Bearing Deposit Share

funding

Value: 14.18%

Peer Median: 22.02%

#2104 of 2664 Bottom 21.1% in $100M-$1B