BlastPoint's Banking Scorecard
The Savings Bank
Community
Specialty: Commercial
OH
FDIC cert 13216
Circleville, OH
1484
banks in Community tier nationally
45 in OH
View Community leaderboard (OH) →
The Savings Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 24% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$517.3M
+1.0% YoY
-0.4% QoQ
|
-$874.1M |
$1.4B
+2.0% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 3% in tier |
| Total Loans ? |
$373.8M
+7.2% YoY
+2.7% QoQ
|
-$601.6M |
$975.5M
+2.4% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
Bottom 11% in tier |
| Total Deposits ? |
$436.5M
+1.2% YoY
-0.7% QoQ
|
-$728.1M |
$1.2B
+1.7% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 3% in tier |
| Return on Assets ? |
0.64%
+11.1% YoY
+13.1% QoQ
|
-0.53% |
1.16%
+17.2% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
16% |
| Net Interest Margin ? |
3.19%
+15.2% YoY
+1.8% QoQ
|
-0.48% |
3.66%
+9.1% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
24% |
| Efficiency Ratio ? |
76.64%
-2.7% YoY
-3.0% QoQ
|
+14.01% |
62.63%
-5.3% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 14% in tier |
| Delinquency Rate ? |
0.21%
-40.4% YoY
-5.9% QoQ
|
-0.42% |
0.63%
+18.3% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
85.65%
+5.9% YoY
+3.4% QoQ
|
+2.59% |
83.06%
+0.3% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
20.48%
+3.2% YoY
+7.5% QoQ
|
-0.56% |
21.05%
-0.9% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
53% |
| Nonperforming Asset Ratio ? |
0.15%
-36.8% YoY
-2.9% QoQ
|
-0.35% |
0.50%
+20.3% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
70% |
| Tier 1 Capital Ratio ? |
15.16%
-2.9% YoY
-1.1% QoQ
|
+4.91% |
10.24%
-0.6% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.40%
-31.7% YoY
+33.4% QoQ
|
-0.34% |
0.74%
-1.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
35% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Flatlined Growth
risk
#59 of 245 · Bottom 24% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.64%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
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
77
77th pctile
Tier 1 Capital Ratio
Current: 15.16% · Tier avg: 10.24%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.50%
69
69th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.63%
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 20.48% · Tier avg: 21.05%
47
47th pctile
Loan-to-Deposit Ratio
Current: 85.65% · Tier avg: 83.06%
35
35th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.74%
24
24th pctile
Net Interest Margin
Current: 3.19% · Tier avg: 3.66%
16
16th pctile
Return on Assets
Current: 0.64% · Tier avg: 1.16%
14
14th pctile
Efficiency Ratio
Current: 76.64% · Tier avg: 62.63%
11
11th pctile
Total Loans
Current: $373.8M · Tier avg: $975.5M
3
3th pctile
Total Deposits
Current: $436.5M · Tier avg: $1.2B
3
3th pctile
Total Assets
Current: $517.3M · Tier avg: $1.4B
Top Weaknesses
3
3th pctile
Total Assets
Current: $517.3M · Tier avg: $1.4B
3
3th pctile
Total Deposits
Current: $436.5M · Tier avg: $1.2B
11
11th pctile
Total Loans
Current: $373.8M · Tier avg: $975.5M
14
14th pctile
Efficiency Ratio
Current: 76.64% · Tier avg: 62.63%
16
16th pctile
Return on Assets
Current: 0.64% · Tier avg: 1.16%
24
24th pctile
Net Interest Margin
Current: 3.19% · Tier avg: 3.66%
35
35th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.74%
47
47th pctile
Loan-to-Deposit Ratio
Current: 85.65% · Tier avg: 83.06%
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 20.48% · Tier avg: 21.05%
69
69th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.63%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.50%
77
77th pctile
Tier 1 Capital Ratio
Current: 15.16% · Tier avg: 10.24%