BlastPoint's Banking Scorecard

Somerville Bank

$100M-$1B Specialty: Commercial OH FDIC cert 6700

Eaton, OH

8 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 +4.6% year over year ($260.7M on the books).
Delinquency rate 1.11%.
Return on assets 0.74%.
Efficiency ratio 77.73% vs a 64.48% peer average.
Loan-to-deposit ratio 75.93% 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) →

Somerville Bank faces 6 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 34.3% in tier
- Non-Interest Income / Assets 0.51% below tier average
- ROA 0.58% below tier average
- Net Interest Margin 0.65% below tier average
- Efficiency Ratio 13.25% above tier average
- Delinquency Rate 0.19% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$290.6M +5.4% YoY -1.2% QoQ	-$95.9M	$386.6M +1.2% YoY	$36.7B +9.4% YoY	$6.3B +7.7% YoY	44%
Total Loans ?	$197.9M -0.7% YoY -1.1% QoQ	-$60.4M	$258.3M +1.7% YoY	$16.2B +12.1% YoY	$3.2B +9.4% YoY	47%
Total Deposits ?	$260.7M +4.6% YoY -1.9% QoQ	-$66.1M	$326.7M +0.7% YoY	$26.4B +7.6% YoY	$4.9B +7.3% YoY	47%
Return on Assets ?	0.74% +25.8% YoY +16.9% QoQ	-0.58%	1.32% +10.8% YoY	1.21% +9.4% YoY	1.30% +12.1% YoY	20%
Net Interest Margin ?	3.34% +6.9% YoY +3.7% QoQ	-0.65%	3.99% +5.0% YoY	3.65% +6.4% YoY	3.95% +4.9% YoY	21%
Efficiency Ratio ?	77.73% -2.1% YoY -1.8% QoQ	+13.25%	64.48% -3.2% YoY	70.70% -3.8% YoY	70.05% +2.5% YoY	17%
Delinquency Rate ?	1.11% +95.3% YoY -21.8% QoQ	+0.19%	0.92% +15.7% YoY	0.68% +23.3% YoY	0.98% +16.3% YoY	26%
Loan-to-Deposit Ratio ?	75.93% -5.1% YoY +0.8% QoQ	-2.02%	77.95% +1.0% YoY	79.88% +0.7% YoY	79.03% +2.3% YoY	58%
Non-Interest-Bearing Deposit Share ?	20.35% +2.3% YoY +2.2% QoQ	-1.68%	22.03% -0.6% YoY	18.59% +0.9% YoY	21.98% -0.6% YoY	47%
Nonperforming Asset Ratio ?	0.76% +83.8% YoY -21.7% QoQ	+0.09%	0.67% +16.4% YoY	0.46% +23.9% YoY	0.69% +15.8% YoY	28%
Tier 1 Capital Ratio ?	9.54% -1.1% YoY +0.8% QoQ	-6.37%	15.91% +1.4% YoY	18.68% -0.2% YoY	17.09% +0.8% YoY	Bottom 5.3% in tier
Non-Interest Income / Assets ?	0.05% -50.0% YoY +150.7% QoQ	-0.51%	0.57% +7.6% YoY	1.22% +2.7% YoY	0.66% +5.2% YoY	Bottom 6.3% in tier

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	20.4% +0.5pp YoY +0.4pp QoQ	-1.8pp	22.1%	18.8%	22.2%	47%
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	16.5% +0.8pp YoY -0.4pp QoQ	+4.9pp	11.6%	10.2%	12.5%	80%
CRE	43.0% +0.8pp YoY +0.4pp QoQ	+3.5pp	39.5%	34.2%	41.4%	58%
1-4 Family	16.5% -1.5pp YoY 0.0pp QoQ	-16.1pp	32.6%	50.0%	31.3%	22%
Consumer	2.1% -0.4pp YoY -0.2pp QoQ	-2.0pp	4.1%	4.7%	5.0%	49%

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	9.5% -0.1pp YoY +0.1pp QoQ	-2.6pp	12.2%	12.9%	12.6%	22%
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	56 +1 (+1.8%) YoY +2 (+3.7%) QoQ	-3	58	2,433	482	60%
Assets per Employee ($)	$5.2M +3.6% YoY -4.8% QoQ	-$2.3M	$7.5M	$7.6M	$8.8M	17%
Branch Count	8 0 YoY 0 QoQ	+3	4	81	18	82%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Past Due 90+ Days	0.6% +0.5pp YoY -0.3pp QoQ	+0.3pp	0.3%	0.2%	0.4%	85%
Nonaccrual	0.5% +0.1pp YoY 0.0pp QoQ	-0.4pp	0.9%	0.6%	1.0%	53%
Allowance Coverage	1.00x -51.7% YoY +29.0% QoQ	-23.16x	24.15x	18.95x	20.23x	26%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY	-0.1pp	0.1%	0.1%	0.2%	40%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
ROE	9.7% +1.4pp YoY +1.2pp QoQ	-2.5pp	12.2%	9.7%	11.6%	35%
Cost of Funds (YTD)	1.9% -0.1pp YoY 0.0pp QoQ	+0.2pp	1.7%	1.7%	1.7%	66%
Net Income ($, YTD)	$1.1M +34.6% YoY — QoQ	-$1.5M	$2.6M	$259.3M	$40.4M	29%

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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 (1)

Capital Thin

risk

#228 of 661 • Bottom 34.3% 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: 9.54%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | 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).

Compare against:

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

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

2503

Tier 1 Capital Ratio

capital

Value: 9.54%

Peer Median: 15.91%

#2503 of 2643 Bottom 5.3% in $100M-$1B

2477

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.57%

#2477 of 2643 Bottom 6.3% in $100M-$1B

2205

Efficiency Ratio

profitability

Value: 77.73%

Peer Median: 64.48%

#2205 of 2643 Bottom 16.6% in $100M-$1B

2104

Return on Assets

profitability

Value: 0.74%

Peer Median: 1.32%

#2104 of 2643 Bottom 20.4% in $100M-$1B

2092

Net Interest Margin

profitability

Value: 3.34%

Peer Median: 3.99%

#2092 of 2643 Bottom 20.9% in $100M-$1B