BlastPoint's Banking Scorecard
First Bank of Ohio
Tiffin, OH
5 branches across 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in OH.
- Deposits -4.7% year over year ($176.2M on the books).
- Delinquency rate 0.27%.
- Return on assets 1.96%.
- Efficiency ratio 43.07% vs a 64.48% peer average.
- Loan-to-deposit ratio 107.36% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Bank of Ohio has 4 strengths but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.74% above tier average
- + Efficiency Ratio 21.41% below tier average
- + ROA 0.63% above tier average
- + Delinquency Rate 0.65% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 2.0% in tier
- - Cost Spiral: Bottom 3.6% in tier
- - Credit Quality Pressure: Bottom 13.6% in tier
- - Liquidity Strain: Bottom 20.0% in tier
- - Deposit Outflow: Bottom 40.6% in tier
- - Capital Constraint: Bottom 99.1% in tier
- - Non-Interest-Bearing Deposit Share 16.69% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$278.4M
-1.2% YoY
-3.0% QoQ
|
-$108.1M |
$386.6M
+1.2% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
42% |
| Total Loans ? |
$189.2M
-12.1% YoY
-1.4% QoQ
|
-$69.2M |
$258.3M
+1.7% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
45% |
| Total Deposits ? |
$176.2M
-4.7% YoY
-5.2% QoQ
|
-$150.5M |
$326.7M
+0.7% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
29% |
| Return on Assets ? |
1.96%
+6.8% YoY
+5.3% QoQ
|
+0.63% |
1.32%
+10.8% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
Top 14.0% in tier |
| Net Interest Margin ? |
5.72%
-4.8% YoY
-0.0% QoQ
|
+1.74% |
3.99%
+5.0% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
Top 2.0% in tier |
| Efficiency Ratio ? |
43.07%
+14.5% YoY
-1.0% QoQ
|
-21.41% |
64.48%
-3.2% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
Top 6.6% in tier |
| Delinquency Rate ? |
0.27%
+6.3% YoY
-5.0% QoQ
|
-0.65% |
0.92%
+15.7% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
107.36%
-7.7% YoY
+4.1% QoQ
|
+29.41% |
77.95%
+1.0% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
Bottom 4.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
5.34%
+24.6% YoY
+2.0% QoQ
|
-16.69% |
22.03%
-0.6% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
Bottom 3.9% in tier |
| Nonperforming Asset Ratio ? |
0.18%
-5.4% YoY
-3.5% QoQ
|
-0.49% |
0.67%
+16.4% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
62% |
| Tier 1 Capital Ratio ? |
35.51%
+6.1% YoY
+5.2% QoQ
|
+19.61% |
15.91%
+1.4% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
Top 2.5% in tier |
| Non-Interest Income / Assets ? |
0.12%
+10.1% YoY
+108.0% QoQ
|
-0.45% |
0.57%
+7.6% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
24% |
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 |
5.3%
+1.1pp YoY +0.1pp QoQ |
-16.8pp | 22.1% | 18.8% | 22.2% | 3% |
| Brokered Deposits |
28.7%
-6.3pp YoY -1.0pp QoQ |
+20.8pp | 7.9% | 7.7% | 8.5% | 96% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I | n/a | n/a | 11.6% | 10.2% | 12.5% | n/a |
| CRE | n/a | n/a | 39.5% | 34.2% | 41.4% | n/a |
| 1-4 Family | n/a | n/a | 32.6% | 50.0% | 31.3% | n/a |
| Consumer |
103.1%
0.0pp YoY 0.0pp QoQ |
+99.0pp | 4.1% | 4.7% | 5.0% | 100% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.1% | 19.7% | n/a |
| Leverage Ratio |
35.5%
+2.0pp YoY +1.7pp QoQ |
+23.3pp | 12.2% | 12.9% | 12.6% | 99% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
59
+1 (+1.7%) YoY +1 (+1.7%) QoQ |
+0 | 58 | 2,433 | 482 | 62% |
| Assets per Employee ($) |
$4.7M
-2.9% YoY -4.6% QoQ |
-$2.8M | $7.5M | $7.6M | $8.8M | 11% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 81 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.2% | 0.4% | 52% |
| Nonaccrual |
0.2%
+0.1pp YoY 0.0pp QoQ |
-0.8pp | 0.9% | 0.6% | 1.0% | 26% |
| Allowance Coverage |
11.70x
-5.1% YoY +4.2% QoQ |
-12.45x | 24.15x | 18.95x | 20.23x | 83% |
| Net Charge-off Rate (YTD) |
1.4%
+0.1pp YoY -0.2pp QoQ |
+1.3pp | 0.1% | 0.1% | 0.2% | 98% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.7%
+0.1pp YoY +0.2pp QoQ |
-6.5pp | 12.2% | 9.7% | 11.6% | 16% |
| Cost of Funds (YTD) |
2.3%
-0.4pp YoY 0.0pp QoQ |
+0.6pp | 1.7% | 1.7% | 1.7% | 85% |
| Net Income ($, YTD) |
$2.8M
+6.9% YoY — QoQ |
+$262K | $2.6M | $259.3M | $40.4M | 67% |
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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 (6)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.