BlastPoint's Banking Scorecard

The St. Henry Bank

$100M-$1B Specialty: Agricultural OH FDIC cert 9871

St. Henry, OH

3 branches across OH

2664 banks in the $100M-$1B peer group nationally 98 in OH

The St. Henry Bank has 3 strengths but faces 2 concerns

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

+ Profitability Leader: Top 16.4% in tier
+ Efficiency Ratio 34.43% below tier average
+ Delinquency Rate 0.72% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 2.6% in tier
- Net Interest Margin 0.12% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$447.9M -5.1% YoY -17.6% QoQ	+$61.8M	$386.1M +0.5% YoY	$35.8B +10.6% YoY	$6.2B +9.1% YoY	67%
Total Loans ?	$247.3M +0.5% YoY -2.1% QoQ	-$8.4M	$255.7M +1.1% YoY	$15.7B +12.8% YoY	$3.2B +10.8% YoY	59%
Total Deposits ?	$394.7M -7.3% YoY -19.7% QoQ	+$66.7M	$328.0M +0.1% YoY	$25.9B +8.5% YoY	$4.8B +8.2% YoY	69%
Return on Assets ?	2.65% +18.1% YoY +18.1% QoQ	+1.38%	1.27% +12.9% YoY	1.12% +9.9% YoY	1.23% +13.4% YoY	Top 3.5% in tier
Net Interest Margin ?	3.81% +10.9% YoY +4.5% QoQ	-0.12%	3.93% +6.0% YoY	3.58% +7.5% YoY	3.89% +5.7% YoY	47%
Efficiency Ratio ?	30.86% -10.7% YoY -18.1% QoQ	-34.43%	65.29% -4.5% YoY	72.65% -4.0% YoY	66.95% -4.1% YoY	Top 0.9% in tier
Delinquency Rate ?	0.17% -81.7% YoY +4.9% QoQ	-0.72%	0.89% +18.8% YoY	0.65% +14.5% YoY	0.95% +18.8% YoY	67%
Loan-to-Deposit Ratio ?	62.65% +8.3% YoY +21.8% QoQ	-13.98%	76.64% +0.8% YoY	79.14% +0.8% YoY	76.70% +0.9% YoY	78%
Non-Interest-Bearing Deposit Share ?	24.18% -15.0% YoY +6.0% QoQ	+2.16%	22.02% -1.0% YoY	18.08% -0.4% YoY	22.01% -1.2% YoY	63%
Nonperforming Asset Ratio ?	0.09% -80.6% YoY +24.6% QoQ	-0.54%	0.64% +19.7% YoY	0.44% +14.5% YoY	0.67% +19.3% YoY	71%
Tier 1 Capital Ratio ?	12.96% -1.3% YoY +10.2% QoQ	-2.87%	15.83% +1.5% YoY	19.44% +3.1% YoY	17.06% +0.8% YoY	47%
Non-Interest Income / Assets ?	0.08% +50.6% YoY -71.1% QoQ	-0.20%	0.28% +9.3% YoY	0.57% -2.4% YoY	0.32% +4.1% YoY	36%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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 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 (1)

Profitability Leader

growth

#110 of 666 • Top 16.4% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.65%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (1)

Deposit Outflow

decline

#14 of 506 • Bottom 2.6% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

Efficiency Ratio

profitability

Value: 30.86%

Peer Median: 65.29%

#26 of 2664 Top 0.9% in $100M-$1B

Return on Assets

profitability

Value: 2.65%

Peer Median: 1.27%

#95 of 2664 Top 3.5% in $100M-$1B

591

Loan-to-Deposit Ratio

liquidity

Value: 62.65%

Peer Median: 76.64%

#591 of 2664 Top 22.1% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available