BlastPoint's Banking Scorecard

The Community Bank

$100M-$1B Specialty: Commercial OH FDIC cert 5981

Zanesville, OH

10 branches across OH

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

The Community Bank has 1 strength 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 0.64% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 39.1% in tier
- ROA 0.16% below tier average
- Net Interest Margin 0.10% below tier average
- Efficiency Ratio 3.55% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$691.0M -0.3% YoY +0.1% QoQ	+$304.9M	$386.1M +0.5% YoY	$35.8B +10.6% YoY	$6.2B +9.1% YoY	Top 13.0% in tier
Total Loans ?	$468.4M +3.0% YoY +1.6% QoQ	+$212.7M	$255.7M +1.1% YoY	$15.7B +12.8% YoY	$3.2B +10.8% YoY	Top 14.0% in tier
Total Deposits ?	$611.6M -2.0% YoY +0.0% QoQ	+$283.6M	$328.0M +0.1% YoY	$25.9B +8.5% YoY	$4.8B +8.2% YoY	Top 11.6% in tier
Return on Assets ?	1.11% +61.1% YoY +1.5% QoQ	-0.16%	1.27% +12.9% YoY	1.12% +9.9% YoY	1.23% +13.4% YoY	45%
Net Interest Margin ?	3.83% +12.3% YoY +2.6% QoQ	-0.10%	3.93% +6.0% YoY	3.58% +7.5% YoY	3.89% +5.7% YoY	48%
Efficiency Ratio ?	68.84% -10.4% YoY +1.3% QoQ	+3.55%	65.29% -4.5% YoY	72.65% -4.0% YoY	66.95% -4.1% YoY	35%
Delinquency Rate ?	0.25% -45.7% YoY -10.0% QoQ	-0.64%	0.89% +18.8% YoY	0.65% +14.5% YoY	0.95% +18.8% YoY	61%
Loan-to-Deposit Ratio ?	76.59% +5.2% YoY +1.5% QoQ	-0.05%	76.64% +0.8% YoY	79.14% +0.8% YoY	76.70% +0.9% YoY	54%
Non-Interest-Bearing Deposit Share ?	24.41% +4.2% YoY -0.7% QoQ	+2.39%	22.02% -1.0% YoY	18.08% -0.4% YoY	22.01% -1.2% YoY	64%
Nonperforming Asset Ratio ?	0.17% -43.9% YoY -8.6% QoQ	-0.47%	0.64% +19.7% YoY	0.44% +14.5% YoY	0.67% +19.3% YoY	63%
Tier 1 Capital Ratio ?	15.78% +3.5% YoY -0.8% QoQ	-0.05%	15.83% +1.5% YoY	19.44% +3.1% YoY	17.06% +0.8% YoY	71%
Non-Interest Income / Assets ?	0.22% +8.9% YoY -75.0% QoQ	-0.06%	0.28% +9.3% YoY	0.57% -2.4% YoY	0.32% +4.1% YoY	Top 11.4% 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)

Flatlined Growth

risk

#201 of 512 • Bottom 39.1% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 1.11%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ

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 (4 metrics)

305

Non-Interest Income / Assets

revenue_mix

Value: 0.22%

Peer Median: 0.28%

#305 of 2664 Top 11.4% in $100M-$1B

311

Total Deposits

size

Value: $611.61M

Peer Median: $327.97M

#311 of 2664 Top 11.6% in $100M-$1B

348

Total Assets

size

Value: $690.98M

Peer Median: $386.08M

#348 of 2664 Top 13.0% in $100M-$1B

375

Total Loans

size

Value: $468.44M

Peer Median: $255.72M

#375 of 2664 Top 14.0% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available