BlastPoint's Banking Scorecard

Minster Bank

$100M-$1B Specialty: Commercial OH FDIC cert 763

Minster, OH

7 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 +5.3% year over year ($719.4M on the books).
Delinquency rate 0.14%.
Return on assets 1.62%.
Efficiency ratio 50.20% vs a 64.48% peer average.
Loan-to-deposit ratio 63.52% 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) →

Minster Bank has 3 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

+ ROA 0.30% above tier average
+ Efficiency Ratio 14.28% below tier average
+ Delinquency Rate 0.78% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 10.4% in tier
- Net Interest Margin 0.18% below tier average

Get updates when Minster 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 ?	$811.6M +4.9% YoY -0.3% QoQ	+$425.0M	$386.6M +1.2% YoY	$36.7B +9.4% YoY	$6.3B +7.7% YoY	Top 7.5% in tier
Total Loans ?	$457.0M +14.5% YoY +2.1% QoQ	+$198.6M	$258.3M +1.7% YoY	$16.2B +12.1% YoY	$3.2B +9.4% YoY	85%
Total Deposits ?	$719.4M +5.3% YoY -0.5% QoQ	+$392.6M	$326.7M +0.7% YoY	$26.4B +7.6% YoY	$4.9B +7.3% YoY	Top 5.6% in tier
Return on Assets ?	1.62% +9.6% YoY +4.6% QoQ	+0.30%	1.32% +10.8% YoY	1.21% +9.4% YoY	1.30% +12.1% YoY	72%
Net Interest Margin ?	3.80% +7.0% YoY +2.9% QoQ	-0.18%	3.99% +5.0% YoY	3.65% +6.4% YoY	3.95% +4.9% YoY	42%
Efficiency Ratio ?	50.20% -6.6% YoY -2.9% QoQ	-14.28%	64.48% -3.2% YoY	70.70% -3.8% YoY	70.05% +2.5% YoY	83%
Delinquency Rate ?	0.14% +23.9% YoY -10.5% QoQ	-0.78%	0.92% +15.7% YoY	0.68% +23.3% YoY	0.98% +16.3% YoY	70%
Loan-to-Deposit Ratio ?	63.52% +8.8% YoY +2.6% QoQ	-14.43%	77.95% +1.0% YoY	79.88% +0.7% YoY	79.03% +2.3% YoY	79%
Non-Interest-Bearing Deposit Share ?	22.81% -8.3% YoY +3.1% QoQ	+0.78%	22.03% -0.6% YoY	18.59% +0.9% YoY	21.98% -0.6% YoY	59%
Nonperforming Asset Ratio ?	0.08% +35.3% YoY -8.3% QoQ	-0.59%	0.67% +16.4% YoY	0.46% +23.9% YoY	0.69% +15.8% YoY	74%
Tier 1 Capital Ratio ?	16.09% -3.6% YoY +1.3% QoQ	+0.18%	15.91% +1.4% YoY	18.68% -0.2% YoY	17.09% +0.8% YoY	72%
Non-Interest Income / Assets ?	0.39% +7.2% YoY +105.3% QoQ	-0.18%	0.57% +7.6% YoY	1.22% +2.7% YoY	0.66% +5.2% YoY	84%

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	22.8% -2.1pp YoY +0.7pp QoQ	+0.7pp	22.1%	18.8%	22.2%	58%
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	8.0% -2.4pp YoY 0.0pp QoQ	-3.5pp	11.6%	10.2%	12.5%	41%
CRE	52.6% +2.4pp YoY -0.1pp QoQ	+13.1pp	39.5%	34.2%	41.4%	75%
1-4 Family	27.5% +1.9pp YoY +0.4pp QoQ	-5.1pp	32.6%	50.0%	31.3%	46%
Consumer	0.9% -0.5pp YoY -0.1pp QoQ	-3.2pp	4.1%	4.7%	5.0%	25%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
CET1 Ratio	16.1% -0.6pp YoY +0.2pp QoQ	-2.7pp	18.8%	22.1%	19.7%	58%
Leverage Ratio	10.1% +0.4pp YoY +0.3pp QoQ	-2.1pp	12.2%	12.9%	12.6%	34%
Total Capital Ratio	17.2% -0.6pp YoY +0.3pp QoQ	-2.7pp	19.9%	23.2%	20.8%	58%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Full-Time Employees	94 0 YoY +2 (+2.2%) QoQ	+35	58	2,433	482	84%
Assets per Employee ($)	$8.6M +4.9% YoY -2.4% QoQ	+$1.1M	$7.5M	$7.6M	$8.8M	76%
Branch Count	7 0 YoY 0 QoQ	+2	4	81	18	75%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY	-0.3pp	0.3%	0.2%	0.4%	2%
Nonaccrual	0.1% 0.0pp YoY 0.0pp QoQ	-0.8pp	0.9%	0.6%	1.0%	24%
Allowance Coverage	8.54x -19.1% YoY +17.6% QoQ	-15.61x	24.15x	18.95x	20.23x	80%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	41%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
ROE	19.0% -0.7pp YoY +0.4pp QoQ	+6.8pp	12.2%	9.7%	11.6%	85%
Cost of Funds (YTD)	1.3% 0.0pp YoY 0.0pp QoQ	-0.4pp	1.7%	1.7%	1.7%	23%
Net Income ($, YTD)	$6.6M +15.2% YoY — QoQ	+$4.0M	$2.6M	$259.3M	$40.4M	94%

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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)

Credit Quality Pressure

risk

#132 of 1256 • Bottom 10.4% in tier

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

Why this signature

Delinquency Rate: 0.14%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 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 2643 peers in $100M-$1B

Top Strengths (6 metrics)

149

Total Deposits

size

Value: $719.38M

Peer Median: $326.73M

#149 of 2643 Top 5.6% in $100M-$1B

199

Total Assets

size

Value: $811.60M

Peer Median: $386.57M

#199 of 2643 Top 7.5% in $100M-$1B

401

Total Loans

size

Value: $456.98M

Peer Median: $258.35M

#401 of 2643 Top 15.1% in $100M-$1B

415

Non-Interest Income / Assets

revenue_mix

Value: 0.39%

Peer Median: 0.57%

#415 of 2643 Top 15.7% in $100M-$1B

457

Efficiency Ratio

profitability

Value: 50.20%

Peer Median: 64.48%

#457 of 2643 Top 17.3% in $100M-$1B

568

Loan-to-Deposit Ratio

liquidity

Value: 63.52%

Peer Median: 77.95%

#568 of 2643 Top 21.5% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available