BlastPoint's Banking Scorecard
The Croghan Colonial Bank
Community
Specialty: Commercial
OH
FDIC cert 13341
Fremont, OH
1484
banks in Community tier nationally
45 in OH
View Community leaderboard (OH) →
The Croghan Colonial Bank shows strong momentum with 1 strength and 14.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 38% in Community
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+14.2% YoY
+5.6% QoQ
|
-$77.4M |
$1.4B
+2.0% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
64% |
| Total Loans ? |
$820.8M
+13.1% YoY
+9.1% QoQ
|
-$154.7M |
$975.5M
+2.4% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
59% |
| Total Deposits ? |
$973.8M
+3.1% YoY
-0.3% QoQ
|
-$190.8M |
$1.2B
+1.7% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
58% |
| Return on Assets ? |
1.01%
+12.2% YoY
+1.1% QoQ
|
-0.16% |
1.16%
+17.2% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
40% |
| Net Interest Margin ? |
3.62%
+6.1% YoY
+0.9% QoQ
|
-0.05% |
3.66%
+9.1% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
48% |
| Efficiency Ratio ? |
66.82%
-4.4% YoY
-1.5% QoQ
|
+4.19% |
62.63%
-5.3% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
35% |
| Delinquency Rate ? |
0.08%
-28.4% YoY
-43.4% QoQ
|
-0.55% |
0.63%
+18.3% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
84% |
| Loan-to-Deposit Ratio ? |
84.28%
+9.6% YoY
+9.4% QoQ
|
+1.22% |
83.06%
+0.3% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
28.00%
-0.4% YoY
+3.6% QoQ
|
+6.95% |
21.05%
-0.9% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
80% |
| Nonperforming Asset Ratio ? |
0.05%
-29.2% YoY
-41.6% QoQ
|
-0.45% |
0.50%
+20.3% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
Top 14% in tier |
| Tier 1 Capital Ratio ? |
12.56%
-8.8% YoY
-7.1% QoQ
|
+2.32% |
10.24%
-0.6% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.57%
-15.4% YoY
+31.2% QoQ
|
-0.17% |
0.74%
-1.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
58% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#141 of 371 · Top 38% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.08%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Concerns (0)
No concerns identified
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
86
86th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%
84
84th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.63%
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 28.00% · Tier avg: 21.05%
64
64th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
59
59th pctile
Total Loans
Current: $820.8M · Tier avg: $975.5M
58
58th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.74%
58
58th pctile
Total Deposits
Current: $973.8M · Tier avg: $1.2B
53
53th pctile
Tier 1 Capital Ratio
Current: 12.56% · Tier avg: 10.24%
52
52th pctile
Loan-to-Deposit Ratio
Current: 84.28% · Tier avg: 83.06%
48
48th pctile
Net Interest Margin
Current: 3.62% · Tier avg: 3.66%
40
40th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.16%
35
35th pctile
Efficiency Ratio
Current: 66.82% · Tier avg: 62.63%
Top Weaknesses
35
35th pctile
Efficiency Ratio
Current: 66.82% · Tier avg: 62.63%
40
40th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.16%
48
48th pctile
Net Interest Margin
Current: 3.62% · Tier avg: 3.66%
52
52th pctile
Loan-to-Deposit Ratio
Current: 84.28% · Tier avg: 83.06%
53
53th pctile
Tier 1 Capital Ratio
Current: 12.56% · Tier avg: 10.24%
58
58th pctile
Total Deposits
Current: $973.8M · Tier avg: $1.2B
58
58th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.74%
59
59th pctile
Total Loans
Current: $820.8M · Tier avg: $975.5M
64
64th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 28.00% · Tier avg: 21.05%
84
84th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.63%
86
86th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%