BlastPoint's Banking Scorecard
The St. Henry Bank
St. Henry, OH
3 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 -10.3% year over year ($384.5M on the books).
- Delinquency rate 0.10%.
- Return on assets 2.57%.
- Efficiency ratio 34.68% vs a 64.48% peer average.
- Loan-to-deposit ratio 63.61% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The St. Henry Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 17.5% in tier
- + Efficiency Ratio 29.80% below tier average
- + Delinquency Rate 0.81% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.09% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$435.6M
-9.3% YoY
-2.7% QoQ
|
+$49.0M |
$386.6M
+1.2% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
66% |
| Total Loans ? |
$244.6M
+1.6% YoY
-1.1% QoQ
|
-$13.8M |
$258.3M
+1.7% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
58% |
| Total Deposits ? |
$384.5M
-10.3% YoY
-2.6% QoQ
|
+$57.8M |
$326.7M
+0.7% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
68% |
| Return on Assets ? |
2.57%
+15.4% YoY
-3.1% QoQ
|
+1.25% |
1.32%
+10.8% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
Top 3.9% in tier |
| Net Interest Margin ? |
3.90%
+9.4% YoY
+2.2% QoQ
|
-0.09% |
3.99%
+5.0% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
48% |
| Efficiency Ratio ? |
34.68%
-7.1% YoY
+12.4% QoQ
|
-29.80% |
64.48%
-3.2% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
Top 1.6% in tier |
| Delinquency Rate ? |
0.10%
-90.4% YoY
-39.3% QoQ
|
-0.81% |
0.92%
+15.7% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
63.61%
+13.3% YoY
+1.5% QoQ
|
-14.34% |
77.95%
+1.0% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
26.03%
+14.0% YoY
+7.7% QoQ
|
+4.00% |
22.03%
-0.6% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.06%
-89.3% YoY
-38.3% QoQ
|
-0.61% |
0.67%
+16.4% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
77% |
| Tier 1 Capital Ratio ? |
13.61%
+11.9% YoY
+5.0% QoQ
|
-2.30% |
15.91%
+1.4% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.16%
+50.7% YoY
+113.4% QoQ
|
-0.40% |
0.57%
+7.6% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
39% |
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 |
26.0%
+3.2pp YoY +1.9pp QoQ |
+3.9pp | 22.1% | 18.8% | 22.2% | 70% |
| Brokered Deposits | n/a | n/a | 7.9% | 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 |
9.7%
-3.2pp YoY -0.5pp QoQ |
-1.8pp | 11.6% | 10.2% | 12.5% | 51% |
| CRE |
38.4%
+2.8pp YoY +1.0pp QoQ |
-1.2pp | 39.5% | 34.2% | 41.4% | 49% |
| 1-4 Family |
24.0%
+0.9pp YoY -1.6pp QoQ |
-8.7pp | 32.6% | 50.0% | 31.3% | 39% |
| Consumer |
0.7%
0.0pp YoY +0.1pp QoQ |
-3.4pp | 4.1% | 4.7% | 5.0% | 22% |
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 |
13.6%
+1.4pp YoY +0.6pp QoQ |
+1.4pp | 12.2% | 12.9% | 12.6% | 79% |
| 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 |
28
-2 (-6.7%) YoY +1 (+3.7%) QoQ |
-31 | 58 | 2,433 | 482 | 24% |
| Assets per Employee ($) |
$15.6M
-2.9% YoY -6.2% QoQ |
+$8.0M | $7.5M | $7.6M | $8.8M | 98% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 81 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.1%
-1.0pp YoY -0.1pp QoQ |
-0.8pp | 0.9% | 0.6% | 1.0% | 19% |
| Allowance Coverage |
13.20x
+1113.4% YoY +77.9% QoQ |
-10.95x | 24.15x | 18.95x | 20.23x | 85% |
| Net Charge-off Rate (YTD) |
-0.2%
-0.2pp QoQ |
-0.3pp | 0.1% | 0.1% | 0.2% | 2% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
25.3%
+0.2pp YoY -1.7pp QoQ |
+13.1pp | 12.2% | 9.7% | 11.6% | 96% |
| Cost of Funds (YTD) |
1.0%
-0.3pp YoY 0.0pp QoQ |
-0.7pp | 1.7% | 1.7% | 1.7% | 12% |
| Net Income ($, YTD) |
$6.1M
+15.5% YoY — QoQ |
+$3.6M | $2.6M | $259.3M | $40.4M | 92% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.