BlastPoint

BlastPoint's Banking Scorecard

The First National Bank of Dennison

$100M-$1B Specialty: Other OH FDIC cert 6574

Dennison, OH

5 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 -2.6% year over year ($247.5M on the books).
  • Delinquency rate 0.22%.
  • Return on assets 0.61%.
  • Efficiency ratio 84.64% vs a 64.48% peer average.
  • Loan-to-deposit ratio 65.03% 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 Dennison has 2 strengths but faces 4 concerns

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

  • + Net Interest Margin 0.93% above tier average
  • + Delinquency Rate 0.70% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 4.9% in tier
  • - Capital Thin: Bottom 10.1% in tier
  • - Efficiency Drag: Bottom 19.9% in tier
  • - ROA 0.71% below tier average
Get updates when The First National Bank of Dennison releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $267.4M
-1.5% YoY -1.5% QoQ
-$119.2M $386.6M
+1.2% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
40%
Total Loans ? $161.0M
+6.3% YoY +5.0% QoQ
-$97.4M $258.3M
+1.7% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
38%
Total Deposits ? $247.5M
-2.6% YoY -1.8% QoQ
-$79.2M $326.7M
+0.7% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
44%
Return on Assets ? 0.61%
-19.7% YoY -4.6% QoQ
-0.71% 1.32%
+10.8% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
16%
Net Interest Margin ? 4.91%
+4.0% YoY +2.3% QoQ
+0.93% 3.99%
+5.0% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
Top 9.5% in tier
Efficiency Ratio ? 84.64%
+3.6% YoY +1.9% QoQ
+20.16% 64.48%
-3.2% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
Bottom 9.3% in tier
Delinquency Rate ? 0.22%
-44.9% YoY +100.8% QoQ
-0.70% 0.92%
+15.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
64%
Loan-to-Deposit Ratio ? 65.03%
+9.1% YoY +6.9% QoQ
-12.92% 77.95%
+1.0% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
76%
Non-Interest-Bearing Deposit Share ? 19.70%
+3.8% YoY +1.3% QoQ
-2.34% 22.03%
-0.6% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
44%
Nonperforming Asset Ratio ? 0.13%
-40.6% YoY +114.1% QoQ
-0.54% 0.67%
+16.4% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
67%
Tier 1 Capital Ratio ? 10.25%
+1.8% YoY -1.5% QoQ
-5.65% 15.91%
+1.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
Bottom 13.7% in tier
Non-Interest Income / Assets ? 0.17%
-22.9% YoY +114.9% QoQ
-0.40% 0.57%
+7.6% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
41%

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 19.7%
+0.7pp YoY
+0.3pp QoQ
 -2.5pp 22.1% 18.8% 22.2% 44%
Brokered Deposits n/a n/a 7.9% 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 8.5%
+3.0pp YoY
-0.2pp QoQ
 -3.0pp 11.6% 10.2% 12.5% 44%
CRE 14.3%
-4.3pp YoY
-1.7pp QoQ
 -25.2pp 39.5% 34.2% 41.4% 10%
1-4 Family 31.8%
-0.3pp YoY
-0.4pp QoQ
 -0.8pp 32.6% 50.0% 31.3% 55%
Consumer 44.0%
-0.1pp YoY
+0.6pp QoQ
 +39.9pp 4.1% 4.7% 5.0% 99%

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 10.3%
+0.2pp YoY
-0.2pp QoQ
 -1.9pp 12.2% 12.9% 12.6% 37%
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 57
-1 (-1.7%) YoY
-4 (-6.6%) QoQ
 -2 58 2,433 482 60%
Assets per Employee ($) $4.7M
+0.2% YoY
+5.4% QoQ
 -$2.8M $7.5M $7.6M $8.8M 11%
Branch Count 5
0 YoY
0 QoQ
 0 4 81 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days 0.2%
0.0pp YoY
+0.2pp QoQ
 -0.1pp 0.3% 0.2% 0.4% 62%
Nonaccrual 0.0%
-0.2pp YoY
0.0pp QoQ
 -0.9pp 0.9% 0.6% 1.0% 10%
Allowance Coverage 5.19x
+51.0% YoY
-54.2% QoQ
 -18.96x 24.15x 18.95x 20.23x 71%
Net Charge-off Rate (YTD) 0.2%
+0.3pp YoY
0.0pp QoQ
 +0.1pp 0.1% 0.1% 0.2% 86%

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 8.7%
-3.5pp YoY
-0.5pp QoQ
 -3.5pp 12.2% 9.7% 11.6% 29%
Cost of Funds (YTD) 1.0%
-0.1pp YoY
0.0pp QoQ
 -0.7pp 1.7% 1.7% 1.7% 12%
Net Income ($, YTD) $831,000
-19.6% YoY
— QoQ
 -$1.7M $2.6M $259.3M $40.4M 21%

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)

Flatlined Growth

risk
#27 of 529 • Bottom 4.9% 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: 0.61%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank improving

Capital Thin

risk
#68 of 661 • Bottom 10.1% 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: 10.25%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Efficiency Drag

risk
#73 of 361 • Bottom 19.9% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 84.64%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

251
Net Interest Margin
profitability
Value: 4.91%
Peer Median: 3.99%
#251 of 2643 Top 9.5% in $100M-$1B
623
Loan-to-Deposit Ratio
liquidity
Value: 65.03%
Peer Median: 77.95%
#623 of 2643 Top 23.5% in $100M-$1B

Top Weaknesses (3 metrics)

2398
Efficiency Ratio
profitability
Value: 84.64%
Peer Median: 64.48%
#2398 of 2643 Bottom 9.3% in $100M-$1B
2283
Tier 1 Capital Ratio
capital
Value: 10.25%
Peer Median: 15.91%
#2283 of 2643 Bottom 13.7% in $100M-$1B
2231
Return on Assets
profitability
Value: 0.61%
Peer Median: 1.32%
#2231 of 2643 Bottom 15.6% in $100M-$1B
Powered by BlastPoint © 2026