BlastPoint

BlastPoint's Banking Scorecard

THE VINTON COUNTY NATIONAL BANK

$1B-$10B Specialty: Other OH FDIC cert 6636

Designations: ✓ Community bank

Mcarthur, OH

17 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 885 banks in the $1B-$10B peer group nationwide — 1 of 28 in OH.
  • Deposits +5.1% year over year ($1.4B on the books).
  • Delinquency rate 0.27%.
  • Return on assets 1.29%.
  • Efficiency ratio 59.15% vs a 59.73% peer average.
  • Loan-to-deposit ratio 80.39% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 28 in OH
View $1B-$10B leaderboard (OH) →

THE VINTON COUNTY NATIONAL BANK 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

  • + Efficiency Ratio 0.57% below tier average
  • + Delinquency Rate 0.59% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 10.6% in tier
  • - Credit Risk Growth: Bottom 28.6% in tier
  • - Capital Thin: Bottom 36.5% in tier
  • - ROA 0.10% below tier average
Get updates when THE VINTON COUNTY NATIONAL BANK releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $1.6B
+5.9% YoY +0.7% QoQ
-$1.2B $2.8B
-0.6% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
38%
Total Loans ? $1.1B
+7.2% YoY +2.9% QoQ
-$842.7M $2.0B
-0.3% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
39%
Total Deposits ? $1.4B
+5.1% YoY +0.4% QoQ
-$924.9M $2.3B
-0.5% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
41%
Return on Assets ? 1.29%
+53.5% YoY +2.9% QoQ
-0.10% 1.39%
+17.0% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
53%
Net Interest Margin ? 3.88%
+13.5% YoY +2.8% QoQ
+0.00% 3.87%
+6.2% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
61%
Efficiency Ratio ? 59.15%
-9.0% YoY -2.1% QoQ
-0.57% 59.73%
-12.6% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
50%
Delinquency Rate ? 0.27%
+8.4% YoY -11.1% QoQ
-0.59% 0.87%
+11.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
71%
Loan-to-Deposit Ratio ? 80.39%
+2.0% YoY +2.5% QoQ
-4.65% 85.04%
-0.1% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
66%
Non-Interest-Bearing Deposit Share ? 19.17%
+4.7% YoY +3.0% QoQ
-2.10% 21.27%
-1.5% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
46%
Nonperforming Asset Ratio ? 0.19%
+9.8% YoY -9.2% QoQ
-0.48% 0.67%
+11.7% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
73%
Tier 1 Capital Ratio ? 10.49%
+4.9% YoY -0.3% QoQ
-4.36% 14.84%
-0.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
Bottom 10.6% in tier
Non-Interest Income / Assets ? 0.27%
+3.1% YoY +108.1% QoQ
-0.26% 0.53%
+2.5% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
44%

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 19.2%
+0.9pp YoY
+0.6pp QoQ
 -2.2pp 21.4% 18.8% 22.2% 46%
Brokered Deposits 0.0%
0.0pp YoY
0.0pp QoQ
 -9.5pp 9.5% 7.7% 8.5% 0%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 5.7%
+0.7pp YoY
+0.4pp QoQ
 -8.3pp 14.0% 10.2% 12.5% 21%
CRE 27.5%
+0.9pp YoY
+0.3pp QoQ
 -22.5pp 50.0% 34.2% 41.4% 10%
1-4 Family 47.5%
+3.0pp YoY
0.0pp QoQ
 +21.1pp 26.4% 50.0% 31.3% 88%
Consumer 18.0%
-3.9pp YoY
-0.4pp QoQ
 +13.3pp 4.7% 4.7% 5.0% 94%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 22.1% 19.7% n/a
Leverage Ratio 10.5%
+0.5pp YoY
0.0pp QoQ
 -0.8pp 11.3% 12.9% 12.6% 49%
Total Capital Ratio n/a n/a 16.7% 23.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 244
-3 (-1.2%) YoY
+7 (+3.0%) QoQ
 -70 313 2,433 482 53%
Assets per Employee ($) $6.5M
+7.2% YoY
-2.2% QoQ
 -$4.0M $10.5M $7.6M $8.8M 18%
Branch Count 17
0 YoY
0 QoQ
 -3 20 81 18 57%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.2% 0.4% 75%
Nonaccrual 0.2%
0.0pp YoY
-0.1pp QoQ
 -0.6pp 0.8% 0.6% 1.0% 20%
Allowance Coverage 3.78x
-9.1% YoY
+13.6% QoQ
 -14.93x 18.71x 18.95x 20.23x 71%
Net Charge-off Rate (YTD) 0.1%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 66%

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 12.4%
+3.8pp YoY
+0.3pp QoQ
 -0.2pp 12.6% 9.7% 11.6% 52%
Cost of Funds (YTD) 1.7%
-0.2pp YoY
0.0pp QoQ
 -0.2pp 1.9% 1.7% 1.7% 39%
Net Income ($, YTD) $10.1M
+60.0% YoY
— QoQ
 -$9.1M $19.2M $259.3M $40.4M 41%

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)

Credit Quality Pressure

risk
#53 of 492 • Bottom 10.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.27%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#116 of 402 • Bottom 28.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Capital Thin

risk
#82 of 222 • Bottom 36.5% 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: 10.49%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | 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).
Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (1 metrics)

792
Tier 1 Capital Ratio
capital
Value: 10.49%
Peer Median: 14.84%
#792 of 885 Bottom 10.6% in $1B-$10B
Powered by BlastPoint © 2026