BlastPoint's Banking Scorecard
The First National Bank of Sycamore
Sycamore, OH
4 branches across OH
The First National Bank of Sycamore has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 3.5% in tier
- + Efficiency Ratio 9.00% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 9.7% in tier
- - ROA 0.11% below tier average
- - Net Interest Margin 0.31% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$239.4M
+0.7% YoY
+2.7% QoQ
|
-$146.7M |
$386.1M
+0.5% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
35% |
| Total Loans ? |
$146.4M
+13.8% YoY
+2.2% QoQ
|
-$109.3M |
$255.7M
+1.1% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
35% |
| Total Deposits ? |
$208.1M
-1.1% YoY
+2.7% QoQ
|
-$119.8M |
$328.0M
+0.1% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
36% |
| Return on Assets ? |
1.16%
+27.6% YoY
+11.9% QoQ
|
-0.11% |
1.27%
+12.9% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
47% |
| Net Interest Margin ? |
3.62%
+10.8% YoY
+5.5% QoQ
|
-0.31% |
3.93%
+6.0% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
36% |
| Efficiency Ratio ? |
56.29%
-12.7% YoY
-7.0% QoQ
|
-9.00% |
65.29%
-4.5% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
70% |
| Delinquency Rate ? |
0.05%
+48.7% QoQ
|
-0.84% |
0.89%
+18.8% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
70.34%
+15.1% YoY
-0.5% QoQ
|
-6.30% |
76.64%
+0.8% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
13.65%
-2.9% YoY
-1.2% QoQ
|
-8.37% |
22.02%
-1.0% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
19% |
| Nonperforming Asset Ratio ? |
0.03%
+47.9% QoQ
|
-0.61% |
0.64%
+19.7% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
81% |
| Tier 1 Capital Ratio ? |
15.35%
-0.5% YoY
+1.0% QoQ
|
-0.48% |
15.83%
+1.5% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.06%
+9.0% YoY
-76.2% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
23% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.