BlastPoint's Banking Scorecard

The First National Bank of Blanchester

under $100M Specialty: Mortgage OH FDIC cert 6530

Designations: ✓ Community bank

Blanchester, OH

541 banks in the under $100M peer group nationally 23 in OH

The First National Bank of Blanchester demonstrates 4 strengths

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

+ ROA 0.29% above tier average
+ Net Interest Margin 0.25% above tier average
+ Efficiency Ratio 19.59% below tier average
+ Delinquency Rate 1.18% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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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 ?	$77.9M -2.5% YoY -1.0% QoQ	+$15.7M	$62.2M -0.6% YoY	$35.8B +10.6% YoY	$6.2B +9.1% YoY	68%
Total Loans ?	$49.1M +6.3% YoY -0.7% QoQ	+$14.8M	$34.2M -1.4% YoY	$15.7B +12.8% YoY	$3.2B +10.8% YoY	75%
Total Deposits ?	$69.1M -3.1% YoY -1.6% QoQ	+$17.4M	$51.7M -0.7% YoY	$25.9B +8.5% YoY	$4.8B +8.2% YoY	73%
Return on Assets ?	1.12% +39.4% YoY -0.3% QoQ	+0.29%	0.84% -2.3% YoY	1.12% +9.9% YoY	1.23% +13.4% YoY	59%
Net Interest Margin ?	4.11% +15.4% YoY +5.1% QoQ	+0.25%	3.86% +2.8% YoY	3.58% +7.5% YoY	3.89% +5.7% YoY	63%
Efficiency Ratio ?	68.76% -7.5% YoY +2.9% QoQ	-19.59%	88.34% +0.3% YoY	72.65% -4.0% YoY	66.95% -4.1% YoY	56%
Delinquency Rate ?	0.19% -32.5% YoY +351.0% QoQ	-1.18%	1.37% +33.8% YoY	0.65% +14.5% YoY	0.95% +18.8% YoY	60%
Loan-to-Deposit Ratio ?	70.98% +9.7% YoY +0.8% QoQ	+6.76%	64.22% -0.7% YoY	79.14% +0.8% YoY	76.70% +0.9% YoY	42%
Non-Interest-Bearing Deposit Share ?	6.79% -7.4% YoY -3.1% QoQ	-16.92%	23.71% +0.3% YoY	18.08% -0.4% YoY	22.01% -1.2% YoY	Bottom 12.0% in tier
Nonperforming Asset Ratio ?	0.12% -26.4% YoY +352.3% QoQ	-0.67%	0.79% +28.2% YoY	0.44% +14.5% YoY	0.67% +19.3% YoY	59%
Tier 1 Capital Ratio ?	22.12% -2.4% YoY +4.2% QoQ	-4.57%	26.68% +2.0% YoY	19.44% +3.1% YoY	17.06% +0.8% YoY	74%
Non-Interest Income / Assets ?	0.14% +7.5% YoY -75.0% QoQ	-0.53%	0.67% +1.9% YoY	0.57% -2.4% YoY	0.32% +4.1% YoY	82%

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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 (0)

No matched concern signatures this quarter

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 541 peers in under $100M

Top Strengths (2 metrics)

100

Non-Interest Income / Assets

revenue_mix

Value: 0.14%

Peer Median: 0.67%

#100 of 541 Top 18.3% in under $100M

136

Total Loans

size

Value: $49.07M

Peer Median: $34.25M

#136 of 541 Top 25.0% in under $100M

Top Weaknesses (1 metrics)

477

Non-Interest-Bearing Deposit Share

funding

Value: 6.79%

Peer Median: 23.71%

#477 of 541 Bottom 12.0% in under $100M