BlastPoint's Banking Scorecard
The Old Fort Banking Company
Community
Specialty: Commercial
OH
FDIC cert 10255
Old Fort, OH
1484
banks in Community tier nationally
45 in OH
View Community leaderboard (OH) →
The Old Fort Banking Company has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 1% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 25% in Community
- - Credit Risk Growth: Bottom 40% in Community
- - Net Interest Margin 0.97% below tier
- - Loan-to-Deposit Ratio 21.89% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$845.2M
+2.6% YoY
-2.9% QoQ
|
-$546.3M |
$1.4B
+2.0% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
39% |
| Total Loans ? |
$478.1M
+8.2% YoY
+2.6% QoQ
|
-$497.4M |
$975.5M
+2.4% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
27% |
| Total Deposits ? |
$781.6M
+0.4% YoY
-3.4% QoQ
|
-$383.0M |
$1.2B
+1.7% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
45% |
| Return on Assets ? |
1.18%
+44.5% YoY
+7.7% QoQ
|
+0.02% |
1.16%
+17.2% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
55% |
| Net Interest Margin ? |
2.70%
+22.1% YoY
+5.5% QoQ
|
-0.97% |
3.66%
+9.1% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 9% in tier |
| Efficiency Ratio ? |
59.85%
-13.6% YoY
-2.6% QoQ
|
-2.78% |
62.63%
-5.3% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
57% |
| Delinquency Rate ? | 0.14% | -0.49% |
0.63%
+18.3% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
61.17%
+7.8% YoY
+6.2% QoQ
|
-21.89% |
83.06%
+0.3% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.17%
+3.8% YoY
+7.4% QoQ
|
+1.12% |
21.05%
-0.9% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
60% |
| Nonperforming Asset Ratio ? | 0.08% | -0.42% |
0.50%
+20.3% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
81% |
| Tier 1 Capital Ratio ? |
14.59%
-2.4% YoY
-1.6% QoQ
|
+4.35% |
10.24%
-0.6% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.50%
-10.8% YoY
+39.5% QoQ
|
-0.24% |
0.74%
-1.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
48% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#2 of 371 · Top 1% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.14%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Concerns (4)
Credit Quality Pressure
risk
#200 of 808 · Bottom 25% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.14%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Credit Risk Growth
risk
#255 of 642 · Bottom 40% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Net Interest Margin
metric
Bottom 9%
in Community
Why this stands out
Current:
2.70%
(Tier avg: 3.66%, National avg: 3.75%)
Loan-to-Deposit Ratio
metric
Bottom 10%
in Community
Why this stands out
Current:
61.17%
(Tier avg: 83.06%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
81
81th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.50%
77
77th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.63%
73
73th pctile
Tier 1 Capital Ratio
Current: 14.59% · Tier avg: 10.24%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 22.17% · Tier avg: 21.05%
57
57th pctile
Efficiency Ratio
Current: 59.85% · Tier avg: 62.63%
55
55th pctile
Return on Assets
Current: 1.18% · Tier avg: 1.16%
48
48th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.74%
45
45th pctile
Total Deposits
Current: $781.6M · Tier avg: $1.2B
39
39th pctile
Total Assets
Current: $845.2M · Tier avg: $1.4B
27
27th pctile
Total Loans
Current: $478.1M · Tier avg: $975.5M
10
10th pctile
Loan-to-Deposit Ratio
Current: 61.17% · Tier avg: 83.06%
9
9th pctile
Net Interest Margin
Current: 2.70% · Tier avg: 3.66%
Top Weaknesses
9
9th pctile
Net Interest Margin
Current: 2.70% · Tier avg: 3.66%
10
10th pctile
Loan-to-Deposit Ratio
Current: 61.17% · Tier avg: 83.06%
27
27th pctile
Total Loans
Current: $478.1M · Tier avg: $975.5M
39
39th pctile
Total Assets
Current: $845.2M · Tier avg: $1.4B
45
45th pctile
Total Deposits
Current: $781.6M · Tier avg: $1.2B
48
48th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.74%
55
55th pctile
Return on Assets
Current: 1.18% · Tier avg: 1.16%
57
57th pctile
Efficiency Ratio
Current: 59.85% · Tier avg: 62.63%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 22.17% · Tier avg: 21.05%
73
73th pctile
Tier 1 Capital Ratio
Current: 14.59% · Tier avg: 10.24%
77
77th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.63%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.50%