BlastPoint's Banking Scorecard

The First National Bank of Dennison

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

Dennison, OH

5 branches across OH

2664 banks in the $100M-$1B peer group nationally 98 in 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 0.87% above tier average
+ Delinquency Rate 0.78% below tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 19.8% in tier
- Capital Thin: Bottom 22.1% in tier
- Flatlined Growth: Bottom 27.5% in tier
- ROA 0.63% below 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 ?	$271.5M +1.3% YoY -0.5% QoQ	-$114.5M	$386.1M +0.5% YoY	$35.8B +10.6% YoY	$6.2B +9.1% YoY	41%
Total Loans ?	$153.3M -0.5% YoY +0.8% QoQ	-$102.4M	$255.7M +1.1% YoY	$15.7B +12.8% YoY	$3.2B +10.8% YoY	37%
Total Deposits ?	$252.1M +1.0% YoY -0.4% QoQ	-$75.9M	$328.0M +0.1% YoY	$25.9B +8.5% YoY	$4.8B +8.2% YoY	45%
Return on Assets ?	0.64% -16.3% YoY -6.3% QoQ	-0.63%	1.27% +12.9% YoY	1.12% +9.9% YoY	1.23% +13.4% YoY	18%
Net Interest Margin ?	4.80% +3.7% YoY +0.7% QoQ	+0.87%	3.93% +6.0% YoY	3.58% +7.5% YoY	3.89% +5.7% YoY	Top 10.9% in tier
Efficiency Ratio ?	83.04% +3.9% YoY +0.8% QoQ	+17.75%	65.29% -4.5% YoY	72.65% -4.0% YoY	66.95% -4.1% YoY	Bottom 12.1% in tier
Delinquency Rate ?	0.11% -62.4% YoY -50.8% QoQ	-0.78%	0.89% +18.8% YoY	0.65% +14.5% YoY	0.95% +18.8% YoY	73%
Loan-to-Deposit Ratio ?	60.84% -1.4% YoY +1.2% QoQ	-15.80%	76.64% +0.8% YoY	79.14% +0.8% YoY	76.70% +0.9% YoY	80%
Non-Interest-Bearing Deposit Share ?	19.44% +2.2% YoY -3.6% QoQ	-2.57%	22.02% -1.0% YoY	18.08% -0.4% YoY	22.01% -1.2% YoY	43%
Nonperforming Asset Ratio ?	0.06% -63.1% YoY -50.2% QoQ	-0.58%	0.64% +19.7% YoY	0.44% +14.5% YoY	0.67% +19.3% YoY	76%
Tier 1 Capital Ratio ?	10.41% +2.1% YoY +3.8% QoQ	-5.42%	15.83% +1.5% YoY	19.44% +3.1% YoY	17.06% +0.8% YoY	15%
Non-Interest Income / Assets ?	0.08% -29.1% YoY -80.6% QoQ	-0.20%	0.28% +9.3% YoY	0.57% -2.4% YoY	0.32% +4.1% YoY	38%

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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)

Efficiency Drag

risk

#83 of 414 • Bottom 19.8% in tier

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

Why this signature

Efficiency Ratio: 83.04%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | QoQ rank improving

Capital Thin

risk

#148 of 666 • Bottom 22.1% 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: 10.41%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Flatlined Growth

risk

#142 of 512 • Bottom 27.5% 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: 0.64%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ | QoQ rank declining

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 (3 metrics)

291

Net Interest Margin

profitability

Value: 4.80%

Peer Median: 3.93%

#291 of 2664 Top 10.9% in $100M-$1B

531

Loan-to-Deposit Ratio

liquidity

Value: 60.84%

Peer Median: 76.64%

#531 of 2664 Top 19.9% in $100M-$1B

644

Nonperforming Asset Ratio

credit_quality

Value: 0.06%

Peer Median: 0.64%

#644 of 2664 Top 24.1% in $100M-$1B

Top Weaknesses (3 metrics)

2343

Efficiency Ratio

profitability

Value: 83.04%

Peer Median: 65.29%

#2343 of 2664 Bottom 12.1% in $100M-$1B

2265

Tier 1 Capital Ratio

capital

Value: 10.41%

Peer Median: 15.83%

#2265 of 2664 Bottom 15.0% in $100M-$1B

2182

Return on Assets

profitability

Value: 0.64%

Peer Median: 1.27%

#2182 of 2664 Bottom 18.1% in $100M-$1B