BlastPoint's Banking Scorecard
The Mt. Victory State Bank
Designations: ✓ Community bank
Mount Victory, OH
The Mt. Victory State Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.23% above tier average
- + ROA 0.50% above tier average
- + Efficiency Ratio 29.62% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.59% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$23.5M
+9.8% YoY
+7.4% QoQ
|
-$38.8M |
$62.3M
-0.5% YoY
|
$36.0B
+10.6% YoY
|
$6.2B
+9.0% YoY
|
Bottom 6.1% in tier |
| Total Loans ? |
$13.8M
+9.3% YoY
+1.8% QoQ
|
-$20.5M |
$34.3M
-1.5% YoY
|
$15.8B
+12.8% YoY
|
$3.2B
+10.7% YoY
|
17% |
| Total Deposits ? |
$21.2M
+9.7% YoY
+8.0% QoQ
|
-$30.6M |
$51.8M
-0.6% YoY
|
$26.1B
+8.5% YoY
|
$4.8B
+8.0% YoY
|
Bottom 10.2% in tier |
| Return on Assets ? |
1.36%
+10.0% YoY
+51.2% QoQ
|
+0.50% |
0.86%
-3.6% YoY
|
1.13%
+9.6% YoY
|
1.24%
+13.1% YoY
|
71% |
| Net Interest Margin ? |
5.10%
+1.3% YoY
+0.4% QoQ
|
+1.23% |
3.87%
+2.7% YoY
|
3.59%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Top 8.4% in tier |
| Efficiency Ratio ? |
58.01%
-3.4% YoY
-15.6% QoQ
|
-29.62% |
87.63%
+2.3% YoY
|
72.32%
-4.0% YoY
|
66.84%
-3.8% YoY
|
78% |
| Delinquency Rate ? |
1.95%
+125.9% QoQ
|
+0.59% |
1.36%
+33.7% YoY
|
0.66%
+14.5% YoY
|
0.95%
+18.8% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
65.19%
-0.3% YoY
-5.8% QoQ
|
+1.08% |
64.11%
-0.9% YoY
|
79.14%
+0.8% YoY
|
76.69%
+0.9% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
33.25%
+1.0% YoY
-1.0% QoQ
|
+9.47% |
23.79%
+0.5% YoY
|
18.19%
-0.4% YoY
|
22.01%
-1.1% YoY
|
82% |
| Nonperforming Asset Ratio ? |
1.15%
+114.0% QoQ
|
+0.37% |
0.77%
+28.7% YoY
|
0.44%
+14.5% YoY
|
0.66%
+19.3% YoY
|
21% |
| Tier 1 Capital Ratio ? |
10.41%
-0.5% YoY
+1.3% QoQ
|
-16.36% |
26.77%
+2.0% YoY
|
19.42%
+3.1% YoY
|
17.06%
+0.8% YoY
|
Bottom 9.1% in tier |
| Non-Interest Income / Assets ? |
0.05%
-8.9% YoY
-73.4% QoQ
|
-0.62% |
0.67%
+1.6% YoY
|
0.57%
-2.5% YoY
|
0.32%
+4.0% YoY
|
43% |
Get Full Access to The Mt. Victory State Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.