BlastPoint's Banking Scorecard

The Apple Creek Banking Company

$100M-$1B Specialty: Commercial OH FDIC cert 737

Apple Creek, OH

6 branches across OH

2664 banks in the $100M-$1B peer group nationally 98 in OH

The Apple Creek Banking Company has 5 strengths but faces 2 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

+ Deposit Franchise: Top 67.7% in tier
+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.11% above tier average
+ Efficiency Ratio 3.69% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 39.9% in tier
- Liquidity Strain: Bottom 43.5% in tier

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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 ?	$261.2M +1.9% YoY +0.4% QoQ	-$124.9M	$386.1M +0.5% YoY	$35.8B +10.6% YoY	$6.2B +9.1% YoY	39%
Total Loans ?	$224.7M +6.6% YoY +0.8% QoQ	-$31.0M	$255.7M +1.1% YoY	$15.7B +12.8% YoY	$3.2B +10.8% YoY	54%
Total Deposits ?	$233.9M -0.3% YoY -1.0% QoQ	-$94.0M	$328.0M +0.1% YoY	$25.9B +8.5% YoY	$4.8B +8.2% YoY	42%
Return on Assets ?	1.38% +19.2% YoY +23.1% QoQ	+0.11%	1.27% +12.9% YoY	1.12% +9.9% YoY	1.23% +13.4% YoY	61%
Net Interest Margin ?	5.01% +10.4% YoY +6.3% QoQ	+1.08%	3.93% +6.0% YoY	3.58% +7.5% YoY	3.89% +5.7% YoY	Top 7.0% in tier
Efficiency Ratio ?	61.59% -5.8% YoY -2.5% QoQ	-3.69%	65.29% -4.5% YoY	72.65% -4.0% YoY	66.95% -4.1% YoY	55%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.65% +14.5% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	96.06% +7.0% YoY +1.8% QoQ	+19.42%	76.64% +0.8% YoY	79.14% +0.8% YoY	76.70% +0.9% YoY	Bottom 13.9% in tier
Non-Interest-Bearing Deposit Share ?	28.87% +11.4% YoY +1.3% QoQ	+6.85%	22.02% -1.0% YoY	18.08% -0.4% YoY	22.01% -1.2% YoY	79%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY -100.0% QoQ	-0.64%	0.64% +19.7% YoY	0.44% +14.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	11.04% +4.2% YoY +3.2% QoQ	-4.79%	15.83% +1.5% YoY	19.44% +3.1% YoY	17.06% +0.8% YoY	23%
Non-Interest Income / Assets ?	0.06% +19.3% YoY -71.0% QoQ	-0.22%	0.28% +9.3% YoY	0.57% -2.4% YoY	0.32% +4.1% YoY	26%

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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 (1)

Deposit Franchise

growth

#185 of 272 • Top 67.7% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 28.87%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 5.01%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Concerns (2)

Capital Thin

risk

#267 of 666 • Bottom 39.9% 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: 11.04%

(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

Liquidity Strain

risk

#281 of 643 • Bottom 43.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 96.06%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

188

Net Interest Margin

profitability

Value: 5.01%

Peer Median: 3.93%

#188 of 2664 Top 7.0% in $100M-$1B

557

Non-Interest-Bearing Deposit Share

funding

Value: 28.87%

Peer Median: 22.02%

#557 of 2664 Top 20.9% in $100M-$1B

Top Weaknesses (2 metrics)

2294

Loan-to-Deposit Ratio

liquidity

Value: 96.06%

Peer Median: 76.64%

#2294 of 2664 Bottom 13.9% in $100M-$1B

2044

Tier 1 Capital Ratio

capital

Value: 11.04%

Peer Median: 15.83%

#2044 of 2664 Bottom 23.3% in $100M-$1B