BlastPoint's Banking Scorecard
The Hicksville Bank
Micro
Specialty: Agricultural
OH
FDIC cert 16370
Designations: ✓ Community bank
Hicksville, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
The Hicksville Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below 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 ? |
$217.1M
+3.2% YoY
+0.1% QoQ
|
-$443K |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
55% |
| Total Loans ? |
$136.0M
+2.5% YoY
+0.4% QoQ
|
-$3.2M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
56% |
| Total Deposits ? |
$194.7M
+1.6% YoY
-0.2% QoQ
|
+$11.0M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
58% |
| Return on Assets ? |
0.70%
+82.7% YoY
+16.0% QoQ
|
-0.39% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
28% |
| Net Interest Margin ? |
3.38%
+14.2% YoY
+2.8% QoQ
|
-0.47% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
29% |
| Efficiency Ratio ? |
77.38%
-8.5% YoY
+1.8% QoQ
|
+9.65% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
24% |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
69.86%
+0.9% YoY
+0.7% QoQ
|
-4.67% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
16.61%
-9.8% YoY
+1.6% QoQ
|
-5.78% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
28% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
Top 1% 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 ? |
0.30%
-0.3% YoY
+41.1% QoQ
|
-0.26% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
40% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
62
62th pctile
Loan-to-Deposit Ratio
Current: 69.86% · Tier avg: 74.53%
58
58th pctile
Total Deposits
Current: $194.7M · Tier avg: $183.7M
56
56th pctile
Total Loans
Current: $136.0M · Tier avg: $139.2M
55
55th pctile
Total Assets
Current: $217.1M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
40
40th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
29
29th pctile
Net Interest Margin
Current: 3.38% · Tier avg: 3.85%
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 16.61% · Tier avg: 22.39%
28
28th pctile
Return on Assets
Current: 0.70% · Tier avg: 1.08%
24
24th pctile
Efficiency Ratio
Current: 77.38% · Tier avg: 67.73%
Top Weaknesses
24
24th pctile
Efficiency Ratio
Current: 77.38% · Tier avg: 67.73%
28
28th pctile
Return on Assets
Current: 0.70% · Tier avg: 1.08%
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 16.61% · Tier avg: 22.39%
29
29th pctile
Net Interest Margin
Current: 3.38% · Tier avg: 3.85%
40
40th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
55
55th pctile
Total Assets
Current: $217.1M · Tier avg: $217.5M
56
56th pctile
Total Loans
Current: $136.0M · Tier avg: $139.2M
58
58th pctile
Total Deposits
Current: $194.7M · Tier avg: $183.7M
62
62th pctile
Loan-to-Deposit Ratio
Current: 69.86% · Tier avg: 74.53%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%