BlastPoint's Banking Scorecard
The Fahey Banking Company
Micro
Specialty: Commercial
OH
FDIC cert 2068
Designations: ✓ Community bank
Marion, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
The Fahey Banking Company has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 15.16% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 3.30% above tier
- - Nonperforming Asset Ratio 2.61% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$383.7M
+12.4% YoY
+7.2% QoQ
|
+$166.2M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
Top 14% in tier |
| Total Loans ? |
$297.8M
+15.6% YoY
+9.1% QoQ
|
+$158.6M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
Top 8% in tier |
| Total Deposits ? |
$318.1M
+14.5% YoY
+7.7% QoQ
|
+$134.4M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
84% |
| Return on Assets ? |
1.25%
+27.5% YoY
-7.7% QoQ
|
+0.17% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
62% |
| Net Interest Margin ? |
4.02%
+10.5% YoY
+2.3% QoQ
|
+0.17% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
59% |
| Efficiency Ratio ? |
56.92%
-18.0% YoY
+1.9% QoQ
|
-10.80% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
76% |
| Delinquency Rate ? |
3.94%
-16.6% QoQ
|
+3.30% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
93.63%
+0.9% YoY
+1.4% QoQ
|
+19.10% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
37.56%
+114.5% YoY
+15.4% QoQ
|
+15.16% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Top 9% in tier |
| Nonperforming Asset Ratio ? |
3.06%
-15.1% QoQ
|
+2.61% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
Bottom 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 ? |
0.41%
+16.0% YoY
+19.8% QoQ
|
-0.16% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
57% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 9%
in Micro
Why this stands out
Current:
37.56%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.94%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.06%
(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
92
92th pctile
Total Loans
Current: $297.8M · Tier avg: $139.2M
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 37.56% · Tier avg: 22.39%
86
86th pctile
Total Assets
Current: $383.7M · Tier avg: $217.5M
84
84th pctile
Total Deposits
Current: $318.1M · Tier avg: $183.7M
76
76th pctile
Efficiency Ratio
Current: 56.92% · Tier avg: 67.73%
62
62th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.08%
59
59th pctile
Net Interest Margin
Current: 4.02% · Tier avg: 3.85%
57
57th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
17
17th pctile
Loan-to-Deposit Ratio
Current: 93.63% · Tier avg: 74.53%
0
0th pctile
Delinquency Rate
Current: 3.94% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.06% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.06% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 3.94% · Tier avg: 0.64%
17
17th pctile
Loan-to-Deposit Ratio
Current: 93.63% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
57
57th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.56%
59
59th pctile
Net Interest Margin
Current: 4.02% · Tier avg: 3.85%
62
62th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.08%
76
76th pctile
Efficiency Ratio
Current: 56.92% · Tier avg: 67.73%
84
84th pctile
Total Deposits
Current: $318.1M · Tier avg: $183.7M
86
86th pctile
Total Assets
Current: $383.7M · Tier avg: $217.5M
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 37.56% · Tier avg: 22.39%
92
92th pctile
Total Loans
Current: $297.8M · Tier avg: $139.2M