BlastPoint's Banking Scorecard

The Mt. Victory State Bank

under $100M Specialty: Other OH FDIC cert 9438

Designations: ✓ Community bank

Mount Victory, OH

541 banks in the under $100M peer group nationally 23 in OH

The Mt. Victory State Bank has 3 strengths but faces 1 concern

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

+ Net Interest Margin 1.24% above tier average
+ ROA 0.52% above tier average
+ Efficiency Ratio 30.34% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 0.57% above tier average

Get updates when The Mt. Victory State 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 ?	$23.5M +9.8% YoY +7.4% QoQ	-$38.7M	$62.2M -0.6% YoY	$35.8B +10.6% YoY	$6.2B +9.1% YoY	Bottom 6.5% in tier
Total Loans ?	$13.8M +9.3% YoY +1.8% QoQ	-$20.4M	$34.2M -1.4% YoY	$15.7B +12.8% YoY	$3.2B +10.8% YoY	17%
Total Deposits ?	$21.2M +9.7% YoY +8.0% QoQ	-$30.6M	$51.7M -0.7% YoY	$25.9B +8.5% YoY	$4.8B +8.2% YoY	Bottom 10.5% in tier
Return on Assets ?	1.36% +10.0% YoY +51.2% QoQ	+0.52%	0.84% -2.3% YoY	1.12% +9.9% YoY	1.23% +13.4% YoY	71%
Net Interest Margin ?	5.10% +1.3% YoY +0.4% QoQ	+1.24%	3.86% +2.8% YoY	3.58% +7.5% YoY	3.89% +5.7% YoY	Top 8.3% in tier
Efficiency Ratio ?	58.01% -3.4% YoY -15.6% QoQ	-30.34%	88.34% +0.3% YoY	72.65% -4.0% YoY	66.95% -4.1% YoY	78%
Delinquency Rate ?	1.95% +125.9% QoQ	+0.57%	1.37% +33.8% YoY	0.65% +14.5% YoY	0.95% +18.8% YoY	22%
Loan-to-Deposit Ratio ?	65.19% -0.3% YoY -5.8% QoQ	+0.98%	64.22% -0.7% YoY	79.14% +0.8% YoY	76.70% +0.9% YoY	51%
Non-Interest-Bearing Deposit Share ?	33.25% +1.0% YoY -1.0% QoQ	+9.54%	23.71% +0.3% YoY	18.08% -0.4% YoY	22.01% -1.2% YoY	82%
Nonperforming Asset Ratio ?	1.15% +114.0% QoQ	+0.36%	0.79% +28.2% YoY	0.44% +14.5% YoY	0.67% +19.3% YoY	22%
Tier 1 Capital Ratio ?	10.41% -0.5% YoY +1.3% QoQ	-16.28%	26.68% +2.0% YoY	19.44% +3.1% YoY	17.06% +0.8% YoY	Bottom 9.2% in tier
Non-Interest Income / Assets ?	0.05% -8.9% YoY -73.4% QoQ	-0.61%	0.67% +1.9% YoY	0.57% -2.4% YoY	0.32% +4.1% 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

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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 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 (0)

No matched concern signatures this quarter

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 541 peers in under $100M

Top Strengths (3 metrics)

Net Interest Margin

profitability

Value: 5.10%

Peer Median: 3.86%

#46 of 541 Top 8.3% in under $100M

Non-Interest-Bearing Deposit Share

funding

Value: 33.25%

Peer Median: 23.71%

#99 of 541 Top 18.1% in under $100M

119

Efficiency Ratio

profitability

Value: 58.01%

Peer Median: 88.34%

#119 of 541 Top 21.8% in under $100M

Top Weaknesses (6 metrics)

507

Total Assets

size

Value: $23.49M

Peer Median: $62.16M

#507 of 541 Bottom 6.5% in under $100M

492

Tier 1 Capital Ratio

capital

Value: 10.41%

Peer Median: 26.68%

#492 of 541 Bottom 9.2% in under $100M

485

Total Deposits

size

Value: $21.19M

Peer Median: $51.74M

#485 of 541 Bottom 10.5% in under $100M

450

Total Loans

size

Value: $13.81M

Peer Median: $34.25M

#450 of 541 Bottom 17.0% in under $100M

424

Nonperforming Asset Ratio

credit_quality

Value: 1.15%

Peer Median: 0.79%

#424 of 541 Bottom 21.8% in under $100M

407

Delinquency Rate

credit_quality

Value: 1.95%

Peer Median: 1.37%

#407 of 521 Bottom 22.1% in under $100M