BlastPoint's Banking Scorecard

The First National Bank of Bellevue

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

Bellevue, OH

9 branches across OH

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

The First National Bank of Bellevue faces 7 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 5.3% in tier
- Flatlined Growth: Bottom 6.0% in tier
- Deposit Outflow: Bottom 33.0% in tier
- ROA 0.71% below tier average
- Net Interest Margin 0.11% below tier average
- Efficiency Ratio 12.21% above tier average
- Delinquency Rate 0.87% 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 ?	$316.6M -0.8% YoY +2.4% QoQ	-$69.5M	$386.1M +0.5% YoY	$35.8B +10.6% YoY	$6.2B +9.1% YoY	49%
Total Loans ?	$170.3M -3.3% YoY -0.6% QoQ	-$85.4M	$255.7M +1.1% YoY	$15.7B +12.8% YoY	$3.2B +10.8% YoY	41%
Total Deposits ?	$285.7M -1.2% YoY +2.6% QoQ	-$42.3M	$328.0M +0.1% YoY	$25.9B +8.5% YoY	$4.8B +8.2% YoY	52%
Return on Assets ?	0.56% +40.7% YoY +130.4% QoQ	-0.71%	1.27% +12.9% YoY	1.12% +9.9% YoY	1.23% +13.4% YoY	Bottom 14.9% in tier
Net Interest Margin ?	3.82% +13.4% YoY +5.5% QoQ	-0.11%	3.93% +6.0% YoY	3.58% +7.5% YoY	3.89% +5.7% YoY	48%
Efficiency Ratio ?	77.50% -10.1% YoY -3.4% QoQ	+12.21%	65.29% -4.5% YoY	72.65% -4.0% YoY	66.95% -4.1% YoY	19%
Delinquency Rate ?	1.76% -2.6% QoQ	+0.87%	0.89% +18.8% YoY	0.65% +14.5% YoY	0.95% +18.8% YoY	15%
Loan-to-Deposit Ratio ?	59.61% -2.2% YoY -3.2% QoQ	-17.03%	76.64% +0.8% YoY	79.14% +0.8% YoY	76.70% +0.9% YoY	82%
Non-Interest-Bearing Deposit Share ?	17.08% -9.1% YoY -14.0% QoQ	-4.94%	22.02% -1.0% YoY	18.08% -0.4% YoY	22.01% -1.2% YoY	32%
Nonperforming Asset Ratio ?	0.95% -5.5% QoQ	+0.31%	0.64% +19.7% YoY	0.44% +14.5% YoY	0.67% +19.3% YoY	21%
Tier 1 Capital Ratio ?	9.43% -21.7% YoY +4.3% QoQ	-6.40%	15.83% +1.5% YoY	19.44% +3.1% YoY	17.06% +0.8% YoY	Bottom 3.9% in tier
Non-Interest Income / Assets ?	0.09% +37.7% YoY -68.4% QoQ	-0.19%	0.28% +9.3% YoY	0.57% -2.4% YoY	0.32% +4.1% YoY	48%

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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 (3)

Capital Thin

risk

#36 of 666 • Bottom 5.3% 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: 9.43%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Flatlined Growth

risk

#32 of 512 • Bottom 6.0% 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: 0.56%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ

Deposit Outflow

decline

#168 of 506 • Bottom 33.0% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 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 (1 metrics)

477

Loan-to-Deposit Ratio

liquidity

Value: 59.61%

Peer Median: 76.64%

#477 of 2664 Top 17.9% in $100M-$1B

Top Weaknesses (5 metrics)

2562

Tier 1 Capital Ratio

capital

Value: 9.43%

Peer Median: 15.83%

#2562 of 2664 Bottom 3.9% in $100M-$1B

2269

Return on Assets

profitability

Value: 0.56%

Peer Median: 1.27%

#2269 of 2664 Bottom 14.9% in $100M-$1B

2254

Delinquency Rate

credit_quality

Value: 1.76%

Peer Median: 0.89%

#2254 of 2654 Bottom 15.1% in $100M-$1B

2162

Efficiency Ratio

profitability

Value: 77.50%

Peer Median: 65.29%

#2162 of 2664 Bottom 18.9% in $100M-$1B

2107

Nonperforming Asset Ratio

credit_quality

Value: 0.95%

Peer Median: 0.64%

#2107 of 2664 Bottom 20.9% in $100M-$1B