BlastPoint's Banking Scorecard
The Genoa Banking Company
Community
Specialty: Commercial
OH
FDIC cert 2285
Genoa, OH
1484
banks in Community tier nationally
45 in OH
View Community leaderboard (OH) →
The Genoa Banking Company shows strong momentum with 2 strengths and 7.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 49% in Community
- + Nonperforming Asset Ratio 0.49% 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 ? |
$721.2M
+7.2% YoY
-0.6% QoQ
|
-$670.3M |
$1.4B
+2.0% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
29% |
| Total Loans ? |
$534.5M
+8.7% YoY
+1.9% QoQ
|
-$441.0M |
$975.5M
+2.4% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
35% |
| Total Deposits ? |
$643.3M
+7.4% YoY
-0.5% QoQ
|
-$521.3M |
$1.2B
+1.7% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
33% |
| Return on Assets ? |
0.74%
+56.7% YoY
+9.9% QoQ
|
-0.43% |
1.16%
+17.2% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
21% |
| Net Interest Margin ? |
3.52%
+10.3% YoY
+2.6% QoQ
|
-0.14% |
3.66%
+9.1% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
43% |
| Efficiency Ratio ? |
72.49%
-10.1% YoY
-2.1% QoQ
|
+9.86% |
62.63%
-5.3% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
22% |
| Delinquency Rate ? |
0.01%
-8.0% YoY
-28.9% QoQ
|
-0.62% |
0.63%
+18.3% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
Top 6% in tier |
| Loan-to-Deposit Ratio ? |
83.09%
+1.2% YoY
+2.4% QoQ
|
+0.03% |
83.06%
+0.3% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
23.23%
+0.1% YoY
-0.3% QoQ
|
+2.19% |
21.05%
-0.9% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
64% |
| Nonperforming Asset Ratio ? |
0.01%
-6.8% YoY
-27.2% QoQ
|
-0.49% |
0.50%
+20.3% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
Top 6% in tier |
| Tier 1 Capital Ratio ? |
10.84%
+0.7% YoY
+1.9% QoQ
|
+0.60% |
10.24%
-0.6% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.43%
+14.7% YoY
+41.4% QoQ
|
-0.31% |
0.74%
-1.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
39% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#181 of 371 · Top 49% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.01%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Nonperforming Asset Ratio
metric
Top 6%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.50%, 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
94
94th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
94
94th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.63%
64
64th pctile
Non-Interest-Bearing Deposit Share
Current: 23.23% · Tier avg: 21.05%
55
55th pctile
Loan-to-Deposit Ratio
Current: 83.09% · Tier avg: 83.06%
43
43th pctile
Net Interest Margin
Current: 3.52% · Tier avg: 3.66%
39
39th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.74%
35
35th pctile
Tier 1 Capital Ratio
Current: 10.84% · Tier avg: 10.24%
35
35th pctile
Total Loans
Current: $534.5M · Tier avg: $975.5M
33
33th pctile
Total Deposits
Current: $643.3M · Tier avg: $1.2B
29
29th pctile
Total Assets
Current: $721.2M · Tier avg: $1.4B
22
22th pctile
Efficiency Ratio
Current: 72.49% · Tier avg: 62.63%
21
21th pctile
Return on Assets
Current: 0.74% · Tier avg: 1.16%
Top Weaknesses
21
21th pctile
Return on Assets
Current: 0.74% · Tier avg: 1.16%
22
22th pctile
Efficiency Ratio
Current: 72.49% · Tier avg: 62.63%
29
29th pctile
Total Assets
Current: $721.2M · Tier avg: $1.4B
33
33th pctile
Total Deposits
Current: $643.3M · Tier avg: $1.2B
35
35th pctile
Total Loans
Current: $534.5M · Tier avg: $975.5M
35
35th pctile
Tier 1 Capital Ratio
Current: 10.84% · Tier avg: 10.24%
39
39th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.74%
43
43th pctile
Net Interest Margin
Current: 3.52% · Tier avg: 3.66%
55
55th pctile
Loan-to-Deposit Ratio
Current: 83.09% · Tier avg: 83.06%
64
64th pctile
Non-Interest-Bearing Deposit Share
Current: 23.23% · Tier avg: 21.05%
94
94th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.63%
94
94th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%