BlastPoint's Banking Scorecard
First National Bank in New Bremen
Micro
Specialty: Agricultural
OH
FDIC cert 14836
Designations: ✓ Community bank
New Bremen, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
First National Bank in New Bremen has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 18.54% below tier
- + Tier 1 Capital Ratio 20.99% above tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.13% below tier
- - Loan-to-Deposit Ratio 38.02% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$455.5M
+2.0% YoY
+2.7% QoQ
|
+$238.0M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
Top 5% in tier |
| Total Loans ? |
$149.1M
+1.3% YoY
-1.7% QoQ
|
+$9.9M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
60% |
| Total Deposits ? |
$408.4M
+0.6% YoY
+3.0% QoQ
|
+$224.7M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
Top 3% in tier |
| Return on Assets ? |
1.40%
+10.8% YoY
+1.9% QoQ
|
+0.31% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
70% |
| Net Interest Margin ? |
2.73%
+4.8% YoY
+0.5% QoQ
|
-1.13% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 9% in tier |
| Efficiency Ratio ? |
49.19%
-2.2% YoY
-0.9% QoQ
|
-18.54% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Top 9% in tier |
| Delinquency Rate ? |
0.18%
-11.5% YoY
-5.6% QoQ
|
-0.46% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
36.50%
+0.7% YoY
-4.5% QoQ
|
-38.02% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.83%
-6.9% YoY
-1.6% QoQ
|
-3.56% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
37% |
| Nonperforming Asset Ratio ? |
0.06%
-12.1% YoY
-9.7% QoQ
|
-0.39% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
72% |
| Tier 1 Capital Ratio ? |
29.85%
+8.2% YoY
+2.1% QoQ
|
+20.99% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
Top 4% in tier |
| Non-Interest Income / Assets ? |
0.25%
+5.4% YoY
+32.6% QoQ
|
-0.32% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
31% |
Signature Analysis
Strengths (2)
Efficiency Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
49.19%
(Tier avg: 67.73%, National avg: 65.09%)
Tier 1 Capital Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
29.85%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (2)
Net Interest Margin
metric
Bottom 9%
in Micro
Why this stands out
Current:
2.73%
(Tier avg: 3.85%, National avg: 3.75%)
Loan-to-Deposit Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
36.50%
(Tier avg: 74.53%, 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
97
97th pctile
Total Deposits
Current: $408.4M · Tier avg: $183.7M
96
96th pctile
Tier 1 Capital Ratio
Current: 29.85% · Tier avg: 8.85%
95
95th pctile
Total Assets
Current: $455.5M · Tier avg: $217.5M
91
91th pctile
Efficiency Ratio
Current: 49.19% · Tier avg: 67.73%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.45%
70
70th pctile
Return on Assets
Current: 1.40% · Tier avg: 1.08%
63
63th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.64%
60
60th pctile
Total Loans
Current: $149.1M · Tier avg: $139.2M
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 18.83% · Tier avg: 22.39%
31
31th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
9
9th pctile
Net Interest Margin
Current: 2.73% · Tier avg: 3.85%
4
4th pctile
Loan-to-Deposit Ratio
Current: 36.50% · Tier avg: 74.53%
Top Weaknesses
4
4th pctile
Loan-to-Deposit Ratio
Current: 36.50% · Tier avg: 74.53%
9
9th pctile
Net Interest Margin
Current: 2.73% · Tier avg: 3.85%
31
31th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 18.83% · Tier avg: 22.39%
60
60th pctile
Total Loans
Current: $149.1M · Tier avg: $139.2M
63
63th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.64%
70
70th pctile
Return on Assets
Current: 1.40% · Tier avg: 1.08%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.45%
91
91th pctile
Efficiency Ratio
Current: 49.19% · Tier avg: 67.73%
95
95th pctile
Total Assets
Current: $455.5M · Tier avg: $217.5M
96
96th pctile
Tier 1 Capital Ratio
Current: 29.85% · Tier avg: 8.85%
97
97th pctile
Total Deposits
Current: $408.4M · Tier avg: $183.7M