BlastPoint's Banking Scorecard
Greenville National Bank
Community
Specialty: Commercial
OH
FDIC cert 13703
Greenville, OH
1484
banks in Community tier nationally
45 in OH
View Community leaderboard (OH) →
Greenville National Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 25% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 3% in Community
- - Credit Risk Growth: Bottom 11% in Community
- - Capital Thin: Bottom 32% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$623.5M
+2.8% YoY
+1.0% QoQ
|
-$768.0M |
$1.4B
+2.0% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
17% |
| Total Loans ? |
$434.1M
+4.7% YoY
-0.1% QoQ
|
-$541.4M |
$975.5M
+2.4% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
20% |
| Total Deposits ? |
$529.8M
+1.1% YoY
+2.3% QoQ
|
-$634.8M |
$1.2B
+1.7% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
17% |
| Return on Assets ? |
1.54%
+9.2% YoY
+4.8% QoQ
|
+0.38% |
1.16%
+17.2% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
76% |
| Net Interest Margin ? |
4.20%
+6.5% YoY
+1.8% QoQ
|
+0.53% |
3.66%
+9.1% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
77% |
| Efficiency Ratio ? |
51.94%
-3.9% YoY
-2.1% QoQ
|
-10.69% |
62.63%
-5.3% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
80% |
| Delinquency Rate ? |
0.09%
+5.5% YoY
-1.5% QoQ
|
-0.54% |
0.63%
+18.3% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
81.93%
+3.6% YoY
-2.3% QoQ
|
-1.13% |
83.06%
+0.3% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
18.94%
-0.7% YoY
+1.7% QoQ
|
-2.10% |
21.05%
-0.9% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
44% |
| Nonperforming Asset Ratio ? |
0.06%
+7.4% YoY
-2.5% QoQ
|
-0.44% |
0.50%
+20.3% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
85% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.37%
+2.7% YoY
+34.9% QoQ
|
-0.37% |
0.74%
-1.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
32% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#92 of 371 · Top 25% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.09%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Concerns (3)
Credit Quality Pressure
risk
#27 of 808 · Bottom 3% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.09%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Credit Risk Growth
risk
#74 of 642 · Bottom 11% 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
Capital Thin
risk
#138 of 432 · Bottom 32% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
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
85
85th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.50%
83
83th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.63%
80
80th pctile
Efficiency Ratio
Current: 51.94% · Tier avg: 62.63%
77
77th pctile
Net Interest Margin
Current: 4.20% · Tier avg: 3.66%
76
76th pctile
Return on Assets
Current: 1.54% · Tier avg: 1.16%
58
58th pctile
Loan-to-Deposit Ratio
Current: 81.93% · Tier avg: 83.06%
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 18.94% · Tier avg: 21.05%
32
32th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
20
20th pctile
Total Loans
Current: $434.1M · Tier avg: $975.5M
17
17th pctile
Total Deposits
Current: $529.8M · Tier avg: $1.2B
17
17th pctile
Total Assets
Current: $623.5M · Tier avg: $1.4B
Top Weaknesses
17
17th pctile
Total Assets
Current: $623.5M · Tier avg: $1.4B
17
17th pctile
Total Deposits
Current: $529.8M · Tier avg: $1.2B
20
20th pctile
Total Loans
Current: $434.1M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
32
32th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.74%
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 18.94% · Tier avg: 21.05%
58
58th pctile
Loan-to-Deposit Ratio
Current: 81.93% · Tier avg: 83.06%
76
76th pctile
Return on Assets
Current: 1.54% · Tier avg: 1.16%
77
77th pctile
Net Interest Margin
Current: 4.20% · Tier avg: 3.66%
80
80th pctile
Efficiency Ratio
Current: 51.94% · Tier avg: 62.63%
83
83th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.63%
85
85th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.50%