BlastPoint's Banking Scorecard
The Corn City State Bank
Micro
Specialty: Mortgage
OH
FDIC cert 12980
Designations: ✓ Community bank
Deshler, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
The Corn City State Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.22% below tier
- - Non-Interest Income / Assets 0.48% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$102.7M
+10.8% YoY
+0.7% QoQ
|
-$114.8M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
23% |
| Total Loans ? |
$70.3M
+21.8% YoY
+5.7% QoQ
|
-$68.9M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
29% |
| Total Deposits ? |
$88.0M
+14.3% YoY
+3.3% QoQ
|
-$95.7M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
24% |
| Return on Assets ? |
0.78%
+35.4% YoY
-10.2% QoQ
|
-0.30% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
32% |
| Net Interest Margin ? |
2.63%
+23.3% YoY
+4.0% QoQ
|
-1.22% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 7% in tier |
| Efficiency Ratio ? |
58.14%
-17.1% YoY
-6.4% QoQ
|
-9.58% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
72% |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
79.90%
+6.5% YoY
+2.3% QoQ
|
+5.38% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
13.80%
-5.4% YoY
+15.1% QoQ
|
-8.60% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
20% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.08%
-27.8% YoY
+28.3% QoQ
|
-0.48% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 6% in tier |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (2)
Net Interest Margin
metric
Bottom 7%
in Micro
Why this stands out
Current:
2.63%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Bottom 6%
in Micro
Why this stands out
Current:
0.08%
(Tier avg: 0.56%, National avg: 0.65%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
72
72th pctile
Efficiency Ratio
Current: 58.14% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
43
43th pctile
Loan-to-Deposit Ratio
Current: 79.90% · Tier avg: 74.53%
32
32th pctile
Return on Assets
Current: 0.78% · Tier avg: 1.08%
29
29th pctile
Total Loans
Current: $70.3M · Tier avg: $139.2M
24
24th pctile
Total Deposits
Current: $88.0M · Tier avg: $183.7M
23
23th pctile
Total Assets
Current: $102.7M · Tier avg: $217.5M
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 13.80% · Tier avg: 22.39%
7
7th pctile
Net Interest Margin
Current: 2.63% · Tier avg: 3.85%
6
6th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 0.56%
Top Weaknesses
6
6th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 0.56%
7
7th pctile
Net Interest Margin
Current: 2.63% · Tier avg: 3.85%
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 13.80% · Tier avg: 22.39%
23
23th pctile
Total Assets
Current: $102.7M · Tier avg: $217.5M
24
24th pctile
Total Deposits
Current: $88.0M · Tier avg: $183.7M
29
29th pctile
Total Loans
Current: $70.3M · Tier avg: $139.2M
32
32th pctile
Return on Assets
Current: 0.78% · Tier avg: 1.08%
43
43th pctile
Loan-to-Deposit Ratio
Current: 79.90% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
72
72th pctile
Efficiency Ratio
Current: 58.14% · Tier avg: 67.73%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%