BlastPoint's Banking Scorecard
First State Bank
Designations: ✓ Community bank
Winchester, OH
18 branches across OH · KY
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 885 banks in the $1B-$10B peer group nationwide — 1 of 28 in OH.
- Deposits +5.0% year over year ($1.1B on the books).
- Delinquency rate 0.87%.
- Return on assets 1.10%.
- Efficiency ratio 61.35% vs a 59.73% peer average.
- Loan-to-deposit ratio 51.55% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First State Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.29% below tier average
- - Net Interest Margin 0.60% below tier average
- - Efficiency Ratio 1.63% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+10.7% YoY
+4.4% QoQ
|
-$1.6B |
$2.8B
-0.6% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
20% |
| Total Loans ? |
$565.8M
+6.5% YoY
+0.3% QoQ
|
-$1.4B |
$2.0B
-0.3% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
Bottom 3.7% in tier |
| Total Deposits ? |
$1.1B
+5.0% YoY
+1.7% QoQ
|
-$1.2B |
$2.3B
-0.5% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
23% |
| Return on Assets ? |
1.10%
+3.1% YoY
-3.8% QoQ
|
-0.29% |
1.39%
+17.0% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
38% |
| Net Interest Margin ? |
3.27%
-3.1% YoY
-2.1% QoQ
|
-0.60% |
3.87%
+6.2% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
25% |
| Efficiency Ratio ? |
61.35%
+1.4% YoY
+2.0% QoQ
|
+1.63% |
59.73%
-12.6% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
43% |
| Delinquency Rate ? |
0.87%
+97.9% YoY
+95.4% QoQ
|
+0.01% |
0.87%
+11.7% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
51.55%
+1.4% YoY
-1.3% QoQ
|
-33.49% |
85.04%
-0.1% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
Top 4.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.03%
-4.0% YoY
-6.6% QoQ
|
-8.24% |
21.27%
-1.5% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
19% |
| Nonperforming Asset Ratio ? |
0.40%
+92.9% YoY
+85.5% QoQ
|
-0.27% |
0.67%
+11.7% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
51% |
| Tier 1 Capital Ratio ? |
17.38%
+19.2% YoY
+1.7% QoQ
|
+2.54% |
14.84%
-0.4% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
Top 13.3% in tier |
| Non-Interest Income / Assets ? |
0.26%
-8.2% YoY
+87.4% QoQ
|
-0.27% |
0.53%
+2.5% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
43% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
13.0%
-0.5pp YoY -0.9pp QoQ |
-8.3pp | 21.4% | 18.8% | 22.2% | 19% |
| Brokered Deposits |
9.0%
+0.5pp YoY +2.2pp QoQ |
-0.5pp | 9.5% | 7.7% | 8.5% | 65% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
2.3%
-0.1pp YoY +0.2pp QoQ |
-11.7pp | 14.0% | 10.2% | 12.5% | 7% |
| CRE |
49.1%
+3.6pp YoY +0.2pp QoQ |
-1.0pp | 50.0% | 34.2% | 41.4% | 47% |
| 1-4 Family |
37.5%
-2.2pp YoY -0.1pp QoQ |
+11.1pp | 26.4% | 50.0% | 31.3% | 78% |
| Consumer |
4.7%
-0.7pp YoY -0.1pp QoQ |
0.0pp | 4.7% | 4.7% | 5.0% | 80% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
17.4%
+2.8pp YoY +0.3pp QoQ |
+1.8pp | 15.6% | 22.1% | 19.7% | 85% |
| Leverage Ratio |
10.5%
+1.8pp YoY -0.2pp QoQ |
-0.8pp | 11.3% | 12.9% | 12.6% | 49% |
| Total Capital Ratio |
18.5%
+2.8pp YoY +0.3pp QoQ |
+1.8pp | 16.7% | 23.2% | 20.8% | 84% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
189
+9 (+5.0%) YoY +8 (+4.4%) QoQ |
-125 | 313 | 2,433 | 482 | 37% |
| Assets per Employee ($) |
$6.6M
+5.4% YoY 0.0% QoQ |
-$3.9M | $10.5M | $7.6M | $8.8M | 19% |
| Branch Count |
18
0 YoY 0 QoQ |
-2 | 20 | 81 | 18 | 60% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY |
-0.1pp | 0.2% | 0.2% | 0.4% | 55% |
| Nonaccrual |
0.8%
+0.4pp YoY +0.4pp QoQ |
0.0pp | 0.8% | 0.6% | 1.0% | 68% |
| Allowance Coverage |
1.66x
-45.7% YoY -48.1% QoQ |
-17.05x | 18.71x | 18.95x | 20.23x | 41% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 43% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.7%
-3.1pp YoY -0.5pp QoQ |
+0.1pp | 12.6% | 9.7% | 11.6% | 53% |
| Cost of Funds (YTD) |
1.9%
0.0pp YoY 0.0pp QoQ |
0.0pp | 1.9% | 1.7% | 1.7% | 52% |
| Net Income ($, YTD) |
$6.6M
+14.2% YoY — QoQ |
-$12.7M | $19.2M | $259.3M | $40.4M | 20% |
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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.