BlastPoint's Banking Scorecard
The First Central National Bank of St. Paris
Micro
Specialty: Agricultural
OH
FDIC cert 15214
Designations: ✓ Community bank
St. Paris, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
The First Central National Bank of St. Paris shows strong momentum with 1 strength and 5.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 20.44% above tier
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 ? |
$98.2M
+5.3% YoY
-0.6% QoQ
|
-$119.3M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
22% |
| Total Loans ? |
$57.5M
+3.2% YoY
+4.5% QoQ
|
-$81.7M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
23% |
| Total Deposits ? |
$78.0M
+6.7% YoY
-0.3% QoQ
|
-$105.6M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
21% |
| Return on Assets ? |
0.85%
-4.7% YoY
-0.1% QoQ
|
-0.24% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
36% |
| Net Interest Margin ? |
3.87%
-2.5% YoY
+0.6% QoQ
|
+0.01% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
53% |
| Efficiency Ratio ? |
73.98%
+1.5% YoY
+0.3% QoQ
|
+6.25% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
31% |
| Delinquency Rate ? |
0.19%
-74.5% QoQ
|
-0.44% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
73.68%
-3.3% YoY
+4.9% QoQ
|
-0.85% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
15.13%
+1.8% YoY
+10.8% QoQ
|
-7.26% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
24% |
| Nonperforming Asset Ratio ? |
0.11%
-73.2% QoQ
|
-0.34% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
66% |
| Tier 1 Capital Ratio ? |
29.29%
-4.5% YoY
-1.1% QoQ
|
+20.44% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
Top 4% in tier |
| Non-Interest Income / Assets ? |
0.38%
-5.0% YoY
+35.0% QoQ
|
-0.18% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
53% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
29.29%
(Tier avg: 8.85%, National avg: 9.75%)
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
96
96th pctile
Tier 1 Capital Ratio
Current: 29.29% · Tier avg: 8.85%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
62
62th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.64%
53
53th pctile
Net Interest Margin
Current: 3.87% · Tier avg: 3.85%
53
53th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.56%
45
45th pctile
Loan-to-Deposit Ratio
Current: 73.68% · Tier avg: 74.53%
36
36th pctile
Return on Assets
Current: 0.85% · Tier avg: 1.08%
31
31th pctile
Efficiency Ratio
Current: 73.98% · Tier avg: 67.73%
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 15.13% · Tier avg: 22.39%
23
23th pctile
Total Loans
Current: $57.5M · Tier avg: $139.2M
22
22th pctile
Total Assets
Current: $98.2M · Tier avg: $217.5M
21
21th pctile
Total Deposits
Current: $78.0M · Tier avg: $183.7M
Top Weaknesses
21
21th pctile
Total Deposits
Current: $78.0M · Tier avg: $183.7M
22
22th pctile
Total Assets
Current: $98.2M · Tier avg: $217.5M
23
23th pctile
Total Loans
Current: $57.5M · Tier avg: $139.2M
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 15.13% · Tier avg: 22.39%
31
31th pctile
Efficiency Ratio
Current: 73.98% · Tier avg: 67.73%
36
36th pctile
Return on Assets
Current: 0.85% · Tier avg: 1.08%
45
45th pctile
Loan-to-Deposit Ratio
Current: 73.68% · Tier avg: 74.53%
53
53th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.56%
53
53th pctile
Net Interest Margin
Current: 3.87% · Tier avg: 3.85%
62
62th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.64%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
96
96th pctile
Tier 1 Capital Ratio
Current: 29.29% · Tier avg: 8.85%