BlastPoint's Banking Scorecard
The Sherwood State Bank
Micro
Specialty: Mortgage
OH
FDIC cert 16222
Designations: ✓ Community bank
Sherwood, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
The Sherwood State Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.76% above tier
- - Nonperforming Asset Ratio 1.33% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$105.0M
-1.8% YoY
+0.7% QoQ
|
-$112.5M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
24% |
| Total Loans ? |
$77.9M
+6.5% YoY
+0.8% QoQ
|
-$61.3M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
33% |
| Total Deposits ? |
$86.7M
-3.4% YoY
+1.4% QoQ
|
-$97.0M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
24% |
| Return on Assets ? |
0.68%
+65.2% YoY
-3.3% QoQ
|
-0.40% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
27% |
| Net Interest Margin ? |
4.45%
+12.0% YoY
+0.8% QoQ
|
+0.59% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
78% |
| Efficiency Ratio ? |
81.46%
-7.7% YoY
+0.7% QoQ
|
+13.73% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
19% |
| Delinquency Rate ? |
2.40%
-14.3% YoY
-3.3% QoQ
|
+1.76% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
Bottom 10% in tier |
| Loan-to-Deposit Ratio ? |
89.91%
+10.2% YoY
-0.6% QoQ
|
+15.38% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
26.14%
+8.9% YoY
+7.8% QoQ
|
+3.74% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
67% |
| Nonperforming Asset Ratio ? |
1.78%
-9.6% YoY
-3.2% QoQ
|
+1.33% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
Bottom 8% in tier |
| 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 ? |
0.46%
-7.9% YoY
+36.0% QoQ
|
-0.10% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
64% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 10%
in Micro
Why this stands out
Current:
2.40%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
1.78%
(Tier avg: 0.45%, National avg: 0.48%)
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
78
78th pctile
Net Interest Margin
Current: 4.45% · Tier avg: 3.85%
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 26.14% · Tier avg: 22.39%
64
64th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
33
33th pctile
Total Loans
Current: $77.9M · Tier avg: $139.2M
27
27th pctile
Return on Assets
Current: 0.68% · Tier avg: 1.08%
24
24th pctile
Total Assets
Current: $105.0M · Tier avg: $217.5M
24
24th pctile
Total Deposits
Current: $86.7M · Tier avg: $183.7M
23
23th pctile
Loan-to-Deposit Ratio
Current: 89.91% · Tier avg: 74.53%
19
19th pctile
Efficiency Ratio
Current: 81.46% · Tier avg: 67.73%
10
10th pctile
Delinquency Rate
Current: 2.40% · Tier avg: 0.64%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.78% · Tier avg: 0.45%
Top Weaknesses
8
8th pctile
Nonperforming Asset Ratio
Current: 1.78% · Tier avg: 0.45%
10
10th pctile
Delinquency Rate
Current: 2.40% · Tier avg: 0.64%
19
19th pctile
Efficiency Ratio
Current: 81.46% · Tier avg: 67.73%
23
23th pctile
Loan-to-Deposit Ratio
Current: 89.91% · Tier avg: 74.53%
24
24th pctile
Total Deposits
Current: $86.7M · Tier avg: $183.7M
24
24th pctile
Total Assets
Current: $105.0M · Tier avg: $217.5M
27
27th pctile
Return on Assets
Current: 0.68% · Tier avg: 1.08%
33
33th pctile
Total Loans
Current: $77.9M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
64
64th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 26.14% · Tier avg: 22.39%
78
78th pctile
Net Interest Margin
Current: 4.45% · Tier avg: 3.85%