BlastPoint's Banking Scorecard

The First National Bank of Bellevue

$100M-$1B Specialty: Commercial OH FDIC cert 6528

Bellevue, OH

9 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 -0.8% year over year ($276.8M on the books).
Delinquency rate 1.80%.
Return on assets 0.71%.
Efficiency ratio 77.87% vs a 64.48% peer average.
Loan-to-deposit ratio 60.92% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in OH

View $100M-$1B leaderboard (OH) →

The First National Bank of Bellevue faces 6 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 9.2% in tier
- Flatlined Growth: Bottom 18.3% in tier
- ROA 0.62% below tier average
- Net Interest Margin 0.07% below tier average
- Efficiency Ratio 13.39% above tier average
- Delinquency Rate 0.88% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$309.7M +0.3% YoY -2.2% QoQ	-$76.9M	$386.6M +1.2% YoY	$36.7B +9.4% YoY	$6.3B +7.7% YoY	48%
Total Loans ?	$168.6M -5.4% YoY -1.0% QoQ	-$89.7M	$258.3M +1.7% YoY	$16.2B +12.1% YoY	$3.2B +9.4% YoY	40%
Total Deposits ?	$276.8M -0.8% YoY -3.1% QoQ	-$49.9M	$326.7M +0.7% YoY	$26.4B +7.6% YoY	$4.9B +7.3% YoY	50%
Return on Assets ?	0.71% +48.9% YoY +25.4% QoQ	-0.62%	1.32% +10.8% YoY	1.21% +9.4% YoY	1.30% +12.1% YoY	19%
Net Interest Margin ?	3.91% +13.1% YoY +2.5% QoQ	-0.07%	3.99% +5.0% YoY	3.65% +6.4% YoY	3.95% +4.9% YoY	49%
Efficiency Ratio ?	77.87% -7.9% YoY +0.5% QoQ	+13.39%	64.48% -3.2% YoY	70.70% -3.8% YoY	70.05% +2.5% YoY	16%
Delinquency Rate ?	1.80% +2.2% QoQ	+0.88%	0.92% +15.7% YoY	0.68% +23.3% YoY	0.98% +16.3% YoY	Bottom 14.8% in tier
Loan-to-Deposit Ratio ?	60.92% -4.7% YoY +2.2% QoQ	-17.03%	77.95% +1.0% YoY	79.88% +0.7% YoY	79.03% +2.3% YoY	82%
Non-Interest-Bearing Deposit Share ?	19.39% -0.7% YoY +13.5% QoQ	-2.64%	22.03% -0.6% YoY	18.59% +0.9% YoY	21.98% -0.6% YoY	43%
Nonperforming Asset Ratio ?	0.98% +3.7% QoQ	+0.31%	0.67% +16.4% YoY	0.46% +23.9% YoY	0.69% +15.8% YoY	21%
Tier 1 Capital Ratio ?	9.39% -18.8% YoY -0.4% QoQ	-6.52%	15.91% +1.4% YoY	18.68% -0.2% YoY	17.09% +0.8% YoY	Bottom 4.0% in tier
Non-Interest Income / Assets ?	0.17% +6.3% YoY +80.2% QoQ	-0.40%	0.57% +7.6% YoY	1.22% +2.7% YoY	0.66% +5.2% YoY	40%

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	19.4% -0.1pp YoY +2.3pp QoQ	-2.8pp	22.1%	18.8%	22.2%	42%
Brokered Deposits	4.0% -0.3pp YoY -0.2pp QoQ	-3.9pp	7.9%	7.7%	8.5%	45%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
C&I	10.3% -1.4pp YoY -0.6pp QoQ	-1.2pp	11.6%	10.2%	12.5%	54%
CRE	54.7% -0.8pp YoY +0.3pp QoQ	+15.2pp	39.5%	34.2%	41.4%	78%
1-4 Family	29.6% +4.1pp YoY +1.0pp QoQ	-3.1pp	32.6%	50.0%	31.3%	50%
Consumer	1.8% +0.1pp YoY -0.2pp QoQ	-2.3pp	4.1%	4.7%	5.0%	45%

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	9.4% -2.2pp YoY 0.0pp QoQ	-2.8pp	12.2%	12.9%	12.6%	19%
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	56 -1 (-1.8%) YoY -1 (-1.8%) QoQ	-3	58	2,433	482	60%
Assets per Employee ($)	$5.5M +2.0% YoY -0.4% QoQ	-$2.0M	$7.5M	$7.6M	$8.8M	23%
Branch Count	9 0 YoY 0 QoQ	+4	4	81	18	86%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% +0.1pp YoY +0.1pp QoQ	-0.2pp	0.3%	0.2%	0.4%	56%
Nonaccrual	1.7% +1.5pp YoY -0.1pp QoQ	+0.7pp	0.9%	0.6%	1.0%	84%
Allowance Coverage	0.90x -89.8% YoY -4.5% QoQ	-23.25x	24.15x	18.95x	20.23x	24%
Net Charge-off Rate (YTD)	0.1% +0.1pp QoQ	0.0pp	0.1%	0.1%	0.2%	79%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
ROE	7.6% +1.9pp YoY +1.5pp QoQ	-4.6pp	12.2%	9.7%	11.6%	23%
Cost of Funds (YTD)	1.6% -0.1pp YoY +0.1pp QoQ	-0.1pp	1.7%	1.7%	1.7%	43%
Net Income ($, YTD)	$1.1M +51.2% YoY — QoQ	-$1.5M	$2.6M	$259.3M	$40.4M	30%

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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 (2)

Capital Thin

risk

#62 of 661 • Bottom 9.2% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.39%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Flatlined Growth

risk

#98 of 529 • Bottom 18.3% 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: 0.71%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 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 2643 peers in $100M-$1B

Top Strengths (1 metrics)

485

Loan-to-Deposit Ratio

liquidity

Value: 60.92%

Peer Median: 77.95%

#485 of 2643 Top 18.3% in $100M-$1B

Top Weaknesses (5 metrics)

2539

Tier 1 Capital Ratio

capital

Value: 9.39%

Peer Median: 15.91%

#2539 of 2643 Bottom 4.0% in $100M-$1B

2243

Delinquency Rate

credit_quality

Value: 1.80%

Peer Median: 0.92%

#2243 of 2633 Bottom 14.8% in $100M-$1B

2210

Efficiency Ratio

profitability

Value: 77.87%

Peer Median: 64.48%

#2210 of 2643 Bottom 16.4% in $100M-$1B

2134

Return on Assets

profitability

Value: 0.71%

Peer Median: 1.32%

#2134 of 2643 Bottom 19.3% in $100M-$1B

2096

Nonperforming Asset Ratio

credit_quality

Value: 0.98%

Peer Median: 0.67%

#2096 of 2643 Bottom 20.7% in $100M-$1B