BlastPoint's Banking Scorecard
Huntington Federal Savings Bank
Community
Specialty: Mortgage
WV
FDIC cert 27884
Designations: ✓ Mutual
Huntington, WV
1484
banks in Community tier nationally
10 in WV
View Community leaderboard (WV) →
Huntington Federal Savings Bank faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 25% in Community
- - Return on Assets 1.73% below tier
- - Net Interest Margin 2.50% below tier
- - Efficiency Ratio 105.23% above tier
- - Non-Interest-Bearing Deposit Share 17.61% below tier
- - Non-Interest Income / Assets 0.69% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$553.1M
+1.7% YoY
-0.6% QoQ
|
-$838.4M |
$1.4B
+2.0% YoY
|
$1.2B
+25.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 8% in tier |
| Total Loans ? |
$284.8M
+2.3% YoY
-0.3% QoQ
|
-$690.7M |
$975.5M
+2.4% YoY
|
$864.4M
+27.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 4% in tier |
| Total Deposits ? |
$432.0M
+4.5% YoY
-0.2% QoQ
|
-$732.6M |
$1.2B
+1.7% YoY
|
$1.0B
+25.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 3% in tier |
| Return on Assets ? |
-0.57%
+18.4% YoY
+7.7% QoQ
|
-1.73% |
1.16%
+17.2% YoY
|
0.91%
+18.2% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
1.16%
+31.5% YoY
+2.8% QoQ
|
-2.50% |
3.66%
+9.1% YoY
|
3.71%
+8.8% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
167.87%
-18.3% YoY
-3.3% QoQ
|
+105.23% |
62.63%
-5.3% YoY
|
69.56%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
0.34%
-15.3% YoY
-21.7% QoQ
|
-0.29% |
0.63%
+18.3% YoY
|
0.65%
+52.5% YoY
|
0.66%
+20.3% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
65.93%
-2.1% YoY
-0.1% QoQ
|
-17.13% |
83.06%
+0.3% YoY
|
79.26%
+0.2% YoY
|
78.04%
+0.7% YoY
|
Bottom 15% in tier |
| Non-Interest-Bearing Deposit Share ? |
3.44%
+10.6% YoY
+11.9% QoQ
|
-17.61% |
21.05%
-0.9% YoY
|
26.49%
+6.8% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
0.20%
-9.4% YoY
-9.0% QoQ
|
-0.30% |
0.50%
+20.3% YoY
|
0.49%
+34.0% YoY
|
0.48%
+20.8% YoY
|
65% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
7.84%
+3.8% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.05%
-4.7% YoY
+43.1% QoQ
|
-0.69% |
0.74%
-1.3% YoY
|
0.59%
-6.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (6)
Capital Thin
risk
#107 of 432 · Bottom 25% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Return on Assets
metric
Bottom 1%
in Community
Why this stands out
Current:
-0.57%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 1%
in Community
Why this stands out
Current:
1.16%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
167.87%
(Tier avg: 62.63%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Community
Why this stands out
Current:
3.44%
(Tier avg: 21.05%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 1%
in Community
Why this stands out
Current:
0.05%
(Tier avg: 0.74%, National avg: 0.65%)
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
65
65th pctile
Nonperforming Asset Ratio
Current: 0.20% · Tier avg: 0.50%
58
58th pctile
Delinquency Rate
Current: 0.34% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
15
15th pctile
Loan-to-Deposit Ratio
Current: 65.93% · Tier avg: 83.06%
8
8th pctile
Total Assets
Current: $553.1M · Tier avg: $1.4B
4
4th pctile
Total Loans
Current: $284.8M · Tier avg: $975.5M
3
3th pctile
Total Deposits
Current: $432.0M · Tier avg: $1.2B
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 3.44% · Tier avg: 21.05%
1
1th pctile
Non-Interest Income / Assets
Current: 0.05% · Tier avg: 0.74%
1
1th pctile
Return on Assets
Current: -0.57% · Tier avg: 1.16%
0
0th pctile
Net Interest Margin
Current: 1.16% · Tier avg: 3.66%
0
0th pctile
Efficiency Ratio
Current: 167.87% · Tier avg: 62.63%
Top Weaknesses
0
0th pctile
Efficiency Ratio
Current: 167.87% · Tier avg: 62.63%
0
0th pctile
Net Interest Margin
Current: 1.16% · Tier avg: 3.66%
1
1th pctile
Return on Assets
Current: -0.57% · Tier avg: 1.16%
1
1th pctile
Non-Interest Income / Assets
Current: 0.05% · Tier avg: 0.74%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 3.44% · Tier avg: 21.05%
3
3th pctile
Total Deposits
Current: $432.0M · Tier avg: $1.2B
4
4th pctile
Total Loans
Current: $284.8M · Tier avg: $975.5M
8
8th pctile
Total Assets
Current: $553.1M · Tier avg: $1.4B
15
15th pctile
Loan-to-Deposit Ratio
Current: 65.93% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
58
58th pctile
Delinquency Rate
Current: 0.34% · Tier avg: 0.63%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.20% · Tier avg: 0.50%