BlastPoint's Banking Scorecard
The Hamler State Bank
Micro
Specialty: Agricultural
OH
FDIC cert 14920
Designations: ✓ Community bank
Hamler, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
The Hamler State Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 18.20% below tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.11% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$121.2M
+6.6% YoY
+1.1% QoQ
|
-$96.3M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
29% |
| Total Loans ? |
$82.9M
+4.4% YoY
+2.6% QoQ
|
-$56.3M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
35% |
| Total Deposits ? |
$103.4M
+6.6% YoY
+0.7% QoQ
|
-$80.3M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
30% |
| Return on Assets ? |
0.92%
-13.1% YoY
-1.0% QoQ
|
-0.17% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
41% |
| Net Interest Margin ? |
2.74%
+13.8% YoY
+2.9% QoQ
|
-1.11% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 9% in tier |
| Efficiency Ratio ? |
49.53%
-11.3% YoY
-4.9% QoQ
|
-18.20% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Top 10% in tier |
| Delinquency Rate ? |
1.52%
-41.8% YoY
-26.6% QoQ
|
+0.88% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
80.20%
-2.0% YoY
+1.9% QoQ
|
+5.67% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
11.35%
-0.0% YoY
-0.6% QoQ
|
-11.05% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 14% in tier |
| Nonperforming Asset Ratio ? |
1.11%
-39.1% YoY
-20.5% QoQ
|
+0.66% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
17% |
| 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 ? |
0.12%
-11.2% YoY
+40.1% QoQ
|
-0.44% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 10% in tier |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 10%
in Micro
Why this stands out
Current:
49.53%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (1)
Net Interest Margin
metric
Bottom 9%
in Micro
Why this stands out
Current:
2.74%
(Tier avg: 3.85%, National avg: 3.75%)
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
90
90th pctile
Efficiency Ratio
Current: 49.53% · Tier avg: 67.73%
58
58th pctile
Loan-to-Deposit Ratio
Current: 80.20% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
41
41th pctile
Return on Assets
Current: 0.92% · Tier avg: 1.08%
35
35th pctile
Total Loans
Current: $82.9M · Tier avg: $139.2M
30
30th pctile
Total Deposits
Current: $103.4M · Tier avg: $183.7M
29
29th pctile
Total Assets
Current: $121.2M · Tier avg: $217.5M
19
19th pctile
Delinquency Rate
Current: 1.52% · Tier avg: 0.64%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.11% · Tier avg: 0.45%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.35% · Tier avg: 22.39%
10
10th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
9
9th pctile
Net Interest Margin
Current: 2.74% · Tier avg: 3.85%
Top Weaknesses
9
9th pctile
Net Interest Margin
Current: 2.74% · Tier avg: 3.85%
10
10th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.35% · Tier avg: 22.39%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.11% · Tier avg: 0.45%
19
19th pctile
Delinquency Rate
Current: 1.52% · Tier avg: 0.64%
29
29th pctile
Total Assets
Current: $121.2M · Tier avg: $217.5M
30
30th pctile
Total Deposits
Current: $103.4M · Tier avg: $183.7M
35
35th pctile
Total Loans
Current: $82.9M · Tier avg: $139.2M
41
41th pctile
Return on Assets
Current: 0.92% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
58
58th pctile
Loan-to-Deposit Ratio
Current: 80.20% · Tier avg: 74.53%
90
90th pctile
Efficiency Ratio
Current: 49.53% · Tier avg: 67.73%