BlastPoint's Banking Scorecard
The Mt. Victory State Bank
Designations: ✓ Community bank
Mount Victory, OH
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 536 banks in the under $100M peer group nationwide — 1 of 24 in OH.
- Deposits +9.6% year over year ($21.0M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.31%.
- Efficiency ratio 59.23% vs a 119.40% peer average.
- Loan-to-deposit ratio 66.37% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Mt. Victory State Bank shows strong momentum with 5 strengths and 9.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.19% above tier average
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + ROA 0.31% above tier average
- + Efficiency Ratio 60.17% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$23.4M
+9.8% YoY
-0.4% QoQ
|
-$39.0M |
$62.4M
-0.0% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
Bottom 6.5% in tier |
| Total Loans ? |
$13.9M
+8.4% YoY
+0.9% QoQ
|
-$21.0M |
$34.9M
-0.6% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
16% |
| Total Deposits ? |
$21.0M
+9.6% YoY
-0.9% QoQ
|
-$30.6M |
$51.6M
-0.2% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
Bottom 10.6% in tier |
| Return on Assets ? |
1.31%
+14.6% YoY
-3.6% QoQ
|
+0.31% |
1.00%
+3.5% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
68% |
| Net Interest Margin ? |
5.10%
+1.4% YoY
+0.1% QoQ
|
+1.19% |
3.91%
+2.3% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
Top 9.9% in tier |
| Efficiency Ratio ? |
59.23%
-4.8% YoY
+2.1% QoQ
|
-60.17% |
119.40%
+49.6% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
74% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-1.48% |
1.48%
+31.8% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
66.37%
-1.0% YoY
+1.8% QoQ
|
-7.84% |
74.21%
+12.6% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
33.60%
+2.4% YoY
+1.0% QoQ
|
+10.11% |
23.49%
+0.6% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
82% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.84% |
0.84%
+23.0% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
10.44%
-2.7% YoY
+0.3% QoQ
|
-16.69% |
27.13%
+3.0% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
Bottom 8.6% in tier |
| Non-Interest Income / Assets ? |
0.11%
+7.7% YoY
+117.5% QoQ
|
-1.27% |
1.38%
+6.3% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
45% |
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 |
33.6%
+0.8pp YoY +0.3pp QoQ |
+9.0pp | 24.6% | 18.8% | 22.2% | 81% |
| Brokered Deposits | n/a | n/a | 9.8% | 7.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
19.8%
+1.9pp YoY +0.7pp QoQ |
+6.4pp | 13.4% | 10.2% | 12.5% | 79% |
| CRE |
12.7%
-3.4pp YoY |
-12.5pp | 25.2% | 34.2% | 41.4% | 21% |
| 1-4 Family |
39.0%
-5.4pp YoY -2.5pp QoQ |
+4.0pp | 35.0% | 50.0% | 31.3% | 61% |
| Consumer |
6.1%
-2.1pp YoY +0.6pp QoQ |
-1.5pp | 7.7% | 4.7% | 5.0% | 57% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 22.1% | 19.7% | n/a |
| Leverage Ratio |
10.4%
-0.3pp YoY 0.0pp QoQ |
-7.3pp | 17.7% | 12.9% | 12.6% | 23% |
| Total Capital Ratio | n/a | n/a | 39.7% | 23.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
4
0 YoY 0 QoQ |
-8 | 12 | 2,433 | 482 | 2% |
| Assets per Employee ($) |
$5.9M
+9.8% YoY -0.4% QoQ |
-$338K | $6.2M | $7.6M | $8.8M | 48% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 81 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.2% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 0.6% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 18.95x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
-0.0%
-0.3pp YoY |
-0.2pp | 0.2% | 0.1% | 0.2% | 24% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.0%
+1.2pp YoY -0.6pp QoQ |
+6.6pp | 6.4% | 9.7% | 11.6% | 77% |
| Cost of Funds (YTD) |
1.4%
+0.2pp YoY 0.0pp QoQ |
0.0pp | 1.4% | 1.7% | 1.7% | 51% |
| Net Income ($, YTD) |
$150,000
+23.0% YoY — QoQ |
-$168K | $317,817 | $259.3M | $40.4M | 30% |
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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.