BlastPoint's Banking Scorecard
The First National Bank of Blanchester
Designations: ✓ Community bank
Blanchester, 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 536 banks in the under $100M peer group nationwide — 1 of 24 in OH.
- Deposits -0.9% year over year ($68.9M on the books).
- Delinquency rate 0.15%.
- Return on assets 1.23%.
- Efficiency ratio 65.71% vs a 119.40% peer average.
- Loan-to-deposit ratio 71.43% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First National Bank of Blanchester demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.23% above tier average
- + Net Interest Margin 0.27% above tier average
- + Efficiency Ratio 53.68% below tier average
- + Delinquency Rate 1.33% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$77.7M
-0.5% YoY
-0.3% QoQ
|
+$15.2M |
$62.4M
-0.0% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
67% |
| Total Loans ? |
$49.2M
+6.3% YoY
+0.2% QoQ
|
+$14.3M |
$34.9M
-0.6% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
75% |
| Total Deposits ? |
$68.9M
-0.9% YoY
-0.4% QoQ
|
+$17.2M |
$51.6M
-0.2% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
72% |
| Return on Assets ? |
1.23%
+29.4% YoY
+9.6% QoQ
|
+0.23% |
1.00%
+3.5% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
63% |
| Net Interest Margin ? |
4.18%
+12.6% YoY
+1.7% QoQ
|
+0.27% |
3.91%
+2.3% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
63% |
| Efficiency Ratio ? |
65.71%
-7.0% YoY
-4.4% QoQ
|
-53.68% |
119.40%
+49.6% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
62% |
| Delinquency Rate ? |
0.15%
+341.0% YoY
-20.4% QoQ
|
-1.33% |
1.48%
+31.8% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
71.43%
+7.2% YoY
+0.6% QoQ
|
-2.78% |
74.21%
+12.6% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
6.36%
-8.3% YoY
-6.3% QoQ
|
-17.12% |
23.49%
+0.6% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
Bottom 10.6% in tier |
| Nonperforming Asset Ratio ? |
0.10%
+371.0% YoY
-20.0% QoQ
|
-0.74% |
0.84%
+23.0% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
61% |
| Tier 1 Capital Ratio ? |
22.08%
-2.6% YoY
-0.2% QoQ
|
-5.04% |
27.13%
+3.0% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.29%
+5.2% YoY
+105.2% QoQ
|
-1.09% |
1.38%
+6.3% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
82% |
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 |
6.4%
-0.6pp YoY -0.4pp QoQ |
-18.3pp | 24.6% | 18.8% | 22.2% | 6% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
2.9%
-0.1pp YoY +0.2pp QoQ |
-10.5pp | 13.4% | 10.2% | 12.5% | 10% |
| CRE |
13.0%
+1.1pp YoY +0.6pp QoQ |
-12.3pp | 25.2% | 34.2% | 41.4% | 23% |
| 1-4 Family |
78.3%
-1.2pp YoY -0.6pp QoQ |
+43.4pp | 35.0% | 50.0% | 31.3% | 91% |
| Consumer |
4.8%
+0.2pp YoY -0.3pp QoQ |
-2.9pp | 7.7% | 4.7% | 5.0% | 47% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
22.1%
-0.6pp YoY 0.0pp QoQ |
-16.6pp | 38.7% | 22.1% | 19.7% | 55% |
| Leverage Ratio |
10.6%
+0.3pp YoY 0.0pp QoQ |
-7.1pp | 17.7% | 12.9% | 12.6% | 25% |
| Total Capital Ratio |
22.8%
-0.7pp YoY -0.1pp QoQ |
-16.8pp | 39.7% | 23.2% | 20.8% | 54% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
16
0 YoY 0 QoQ |
+4 | 12 | 2,433 | 482 | 77% |
| Assets per Employee ($) |
$4.9M
-0.5% YoY -0.3% QoQ |
-$1.3M | $6.2M | $7.6M | $8.8M | 33% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 81 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.2%
+0.1pp YoY 0.0pp QoQ |
-1.6pp | 1.7% | 0.6% | 1.0% | 17% |
| Allowance Coverage |
3.80x
-80.3% YoY +19.1% QoQ |
-2.61x | 6.41x | 18.95x | 20.23x | 75% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY +0.1pp QoQ |
0.0pp | 0.2% | 0.1% | 0.2% | 73% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.7%
+2.5pp YoY +0.9pp QoQ |
+5.3pp | 6.4% | 9.7% | 11.6% | 70% |
| Cost of Funds (YTD) |
0.8%
0.0pp YoY 0.0pp QoQ |
-0.7pp | 1.4% | 1.7% | 1.7% | 15% |
| Net Income ($, YTD) |
$481,000
+29.6% YoY — QoQ |
+$163K | $317,817 | $259.3M | $40.4M | 72% |
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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.