BlastPoint's Banking Scorecard
The Farmers National Bank of Canfield
Canfield, OH
85 branches across OH · PA
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 885 banks in the $1B-$10B peer group nationwide — 1 of 28 in OH.
- Deposits +32.5% year over year ($5.9B on the books).
- Delinquency rate 0.94%.
- Return on assets 1.29%.
- Efficiency ratio 55.63% vs a 59.73% peer average.
- Loan-to-deposit ratio 80.53% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Farmers National Bank of Canfield has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 4.09% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.10% below tier average
- - Net Interest Margin 0.37% below tier average
- - Delinquency Rate 0.08% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$7.2B
+38.7% YoY
-0.8% QoQ
|
+$4.4B |
$2.8B
-0.6% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
Top 6.2% in tier |
| Total Loans ? |
$4.7B
+44.7% YoY
-0.4% QoQ
|
+$2.8B |
$2.0B
-0.3% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
Top 7.7% in tier |
| Total Deposits ? |
$5.9B
+32.5% YoY
-1.2% QoQ
|
+$3.5B |
$2.3B
-0.5% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
Top 6.0% in tier |
| Return on Assets ? |
1.29%
+18.8% YoY
+4.9% QoQ
|
-0.10% |
1.39%
+17.0% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
53% |
| Net Interest Margin ? |
3.50%
+12.1% YoY
+10.5% QoQ
|
-0.37% |
3.87%
+6.2% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
36% |
| Efficiency Ratio ? |
55.63%
-0.1% YoY
-3.4% QoQ
|
-4.09% |
59.73%
-12.6% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
61% |
| Delinquency Rate ? |
0.94%
+10.9% YoY
-25.1% QoQ
|
+0.08% |
0.87%
+11.7% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
80.53%
+9.2% YoY
+0.8% QoQ
|
-4.50% |
85.04%
-0.1% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
23.95%
+3.1% YoY
+5.1% QoQ
|
+2.68% |
21.27%
-1.5% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
68% |
| Nonperforming Asset Ratio ? |
0.62%
+15.7% YoY
-24.7% QoQ
|
-0.05% |
0.67%
+11.7% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
36% |
| Tier 1 Capital Ratio ? |
12.64%
-0.3% YoY
-0.2% QoQ
|
-2.21% |
14.84%
-0.4% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
43% |
| Non-Interest Income / Assets ? |
0.29%
-15.5% YoY
+106.7% QoQ
|
-0.24% |
0.53%
+2.5% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
49% |
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 |
24.0%
+0.7pp YoY +1.2pp QoQ |
+2.6pp | 21.4% | 18.8% | 22.2% | 68% |
| Brokered Deposits |
0.0%
-1.7pp YoY -0.1pp QoQ |
-9.4pp | 9.5% | 7.7% | 8.5% | 4% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.4%
+1.7pp YoY +0.1pp QoQ |
-2.6pp | 14.0% | 10.2% | 12.5% | 51% |
| CRE |
43.7%
+0.8pp YoY -0.9pp QoQ |
-6.4pp | 50.0% | 34.2% | 41.4% | 32% |
| 1-4 Family |
32.7%
+2.2pp YoY +0.6pp QoQ |
+6.3pp | 26.4% | 50.0% | 31.3% | 70% |
| Consumer |
6.0%
-2.1pp YoY +0.2pp QoQ |
+1.3pp | 4.7% | 4.7% | 5.0% | 84% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.6%
0.0pp YoY 0.0pp QoQ |
-3.0pp | 15.6% | 22.1% | 19.7% | 35% |
| Leverage Ratio |
9.6%
+0.4pp YoY -2.2pp QoQ |
-1.8pp | 11.3% | 12.9% | 12.6% | 23% |
| Total Capital Ratio |
13.7%
-0.1pp YoY 0.0pp QoQ |
-3.0pp | 16.7% | 23.2% | 20.8% | 33% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
834
+198 (+31.1%) YoY +3 (+0.4%) QoQ |
+520 | 313 | 2,433 | 482 | 95% |
| Assets per Employee ($) |
$8.6M
+5.8% YoY -1.1% QoQ |
-$1.9M | $10.5M | $7.6M | $8.8M | 48% |
| Branch Count |
85
+21 (+32.8%) YoY 0 QoQ |
+65 | 20 | 81 | 18 | 99% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp QoQ |
-0.2pp | 0.2% | 0.2% | 0.4% | 26% |
| Nonaccrual |
0.9%
+0.1pp YoY -0.3pp QoQ |
+0.1pp | 0.8% | 0.6% | 1.0% | 72% |
| Allowance Coverage |
1.19x
-13.9% YoY +30.7% QoQ |
-17.52x | 18.71x | 18.95x | 20.23x | 30% |
| Net Charge-off Rate (YTD) |
0.2%
+0.1pp YoY +0.1pp QoQ |
-0.1pp | 0.3% | 0.1% | 0.2% | 78% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.6%
-0.6pp YoY +0.3pp QoQ |
-1.0pp | 12.6% | 9.7% | 11.6% | 47% |
| Cost of Funds (YTD) |
1.8%
-0.1pp YoY +0.1pp QoQ |
-0.1pp | 1.9% | 1.7% | 1.7% | 45% |
| Net Income ($, YTD) |
$42.1M
+51.2% YoY — QoQ |
+$22.9M | $19.2M | $259.3M | $40.4M | 90% |
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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.