BlastPoint's Banking Scorecard
The Commercial and Savings Bank of Millersburg, Ohio
Designations: ✓ Community bank
Millersburg, OH
16 branches across OH
The Commercial and Savings Bank of Millersburg, Ohio demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.06% above tier average
- + Efficiency Ratio 7.60% below tier average
- + Delinquency Rate 0.77% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+3.8% YoY
-2.1% QoQ
|
-$1.6B |
$2.8B
-0.1% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
21% |
| Total Loans ? |
$840.3M
+11.6% YoY
+2.8% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
18% |
| Total Deposits ? |
$1.1B
+2.9% YoY
-2.3% QoQ
|
-$1.2B |
$2.3B
-0.3% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
23% |
| Return on Assets ? |
1.43%
+14.8% YoY
+29.0% QoQ
|
+0.06% |
1.37%
+19.6% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
66% |
| Net Interest Margin ? |
3.82%
+11.1% YoY
+4.4% QoQ
|
+0.00% |
3.82%
+6.9% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
61% |
| Efficiency Ratio ? |
53.46%
-3.6% YoY
-2.6% QoQ
|
-7.60% |
61.06%
-4.6% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
68% |
| Delinquency Rate ? |
0.12%
-42.8% YoY
+51.9% QoQ
|
-0.77% |
0.89%
+14.1% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
Top 13.4% in tier |
| Loan-to-Deposit Ratio ? |
76.19%
+8.4% YoY
+5.2% QoQ
|
-8.01% |
84.20%
+0.3% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
24.84%
-6.2% YoY
-3.2% QoQ
|
+3.55% |
21.29%
-2.5% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
71% |
| Nonperforming Asset Ratio ? |
0.08%
-38.6% YoY
+59.5% QoQ
|
-0.59% |
0.67%
+15.6% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
Top 11.2% in tier |
| Tier 1 Capital Ratio ? |
15.21%
-0.8% YoY
-0.0% QoQ
|
+0.05% |
15.16%
+2.0% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.15%
+4.9% YoY
-74.1% QoQ
|
-0.11% |
0.26%
+1.6% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
52% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.