BlastPoint's Banking Scorecard

Minster Bank

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

Minster, OH

7 branches across OH

2664 banks in the $100M-$1B peer group nationally 98 in 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 0.28% above tier average
+ Efficiency Ratio 13.58% below tier average
+ Delinquency Rate 0.73% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 18.8% in tier
- Net Interest Margin 0.23% below tier average

Get updates when Minster Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$814.0M +4.6% YoY +1.5% QoQ	+$427.9M	$386.1M +0.5% YoY	$35.8B +10.6% YoY	$6.2B +9.1% YoY	Top 7.5% in tier
Total Loans ?	$447.6M +15.9% YoY +2.5% QoQ	+$191.9M	$255.7M +1.1% YoY	$15.7B +12.8% YoY	$3.2B +10.8% YoY	84%
Total Deposits ?	$723.0M +3.8% YoY +2.3% QoQ	+$395.0M	$328.0M +0.1% YoY	$25.9B +8.5% YoY	$4.8B +8.2% YoY	Top 5.4% in tier
Return on Assets ?	1.55% +8.7% YoY +0.8% QoQ	+0.28%	1.27% +12.9% YoY	1.12% +9.9% YoY	1.23% +13.4% YoY	70%
Net Interest Margin ?	3.70% +5.5% YoY +2.5% QoQ	-0.23%	3.93% +6.0% YoY	3.58% +7.5% YoY	3.89% +5.7% YoY	40%
Efficiency Ratio ?	51.71% -4.3% YoY -3.0% QoQ	-13.58%	65.29% -4.5% YoY	72.65% -4.0% YoY	66.95% -4.1% YoY	81%
Delinquency Rate ?	0.16% +188.1% YoY -3.8% QoQ	-0.73%	0.89% +18.8% YoY	0.65% +14.5% YoY	0.95% +18.8% YoY	68%
Loan-to-Deposit Ratio ?	61.91% +11.6% YoY +0.2% QoQ	-14.73%	76.64% +0.8% YoY	79.14% +0.8% YoY	76.70% +0.9% YoY	79%
Non-Interest-Bearing Deposit Share ?	22.13% -9.9% YoY -5.4% QoQ	+0.11%	22.02% -1.0% YoY	18.08% -0.4% YoY	22.01% -1.2% YoY	55%
Nonperforming Asset Ratio ?	0.09% +219.1% YoY -2.8% QoQ	-0.55%	0.64% +19.7% YoY	0.44% +14.5% YoY	0.67% +19.3% YoY	72%
Tier 1 Capital Ratio ?	15.87% -4.0% YoY +0.5% QoQ	+0.04%	15.83% +1.5% YoY	19.44% +3.1% YoY	17.06% +0.8% YoY	72%
Non-Interest Income / Assets ?	0.19% +10.5% YoY -74.3% QoQ	-0.09%	0.28% +9.3% YoY	0.57% -2.4% YoY	0.32% +4.1% YoY	84%

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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

#247 of 1308 • Bottom 18.8% in tier

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

Why this signature

Delinquency Rate: 0.16%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ

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 (6 metrics)

146

Total Deposits

size

Value: $722.99M

Peer Median: $327.97M

#146 of 2664 Top 5.4% in $100M-$1B

201

Total Assets

size

Value: $814.02M

Peer Median: $386.08M

#201 of 2664 Top 7.5% in $100M-$1B

416

Total Loans

size

Value: $447.57M

Peer Median: $255.72M

#416 of 2664 Top 15.6% in $100M-$1B

423

Non-Interest Income / Assets

revenue_mix

Value: 0.19%

Peer Median: 0.28%

#423 of 2664 Top 15.8% in $100M-$1B

509

Efficiency Ratio

profitability

Value: 51.71%

Peer Median: 65.29%

#509 of 2664 Top 19.1% in $100M-$1B

561

Loan-to-Deposit Ratio

liquidity

Value: 61.91%

Peer Median: 76.64%

#561 of 2664 Top 21.0% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available