BlastPoint's Banking Scorecard
Greenville Federal
Micro
Specialty: Commercial
OH
FDIC cert 27965
Designations: ✓ Community bank
Greenville, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
Greenville Federal 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
- - Return on Assets 1.03% below tier
- - Efficiency Ratio 29.39% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$269.2M
+4.6% YoY
+1.7% QoQ
|
+$51.8M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
66% |
| Total Loans ? |
$221.0M
+6.4% YoY
+1.7% QoQ
|
+$81.8M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
79% |
| Total Deposits ? |
$242.8M
+4.8% YoY
+3.7% QoQ
|
+$59.2M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
69% |
| Return on Assets ? |
0.05%
+108.2% YoY
|
-1.03% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 7% in tier |
| Net Interest Margin ? |
3.12%
+12.8% YoY
+0.8% QoQ
|
-0.73% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
20% |
| Efficiency Ratio ? |
97.12%
-14.2% YoY
-1.4% QoQ
|
+29.39% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 6% in tier |
| Delinquency Rate ? |
0.08%
-82.8% YoY
+41.0% QoQ
|
-0.56% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
91.01%
+1.5% YoY
-1.9% QoQ
|
+16.48% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
16.94%
-10.1% YoY
+0.5% QoQ
|
-5.45% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
30% |
| Nonperforming Asset Ratio ? |
0.39%
+4.0% YoY
-5.2% QoQ
|
-0.07% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
44% |
| Tier 1 Capital Ratio ? |
10.57%
-1.1% YoY
+0.4% QoQ
|
+1.72% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.58%
+0.8% YoY
+33.5% QoQ
|
+0.01% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
75% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Return on Assets
metric
Bottom 7%
in Micro
Why this stands out
Current:
0.05%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
97.12%
(Tier avg: 67.73%, National avg: 65.09%)
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
79
79th pctile
Total Loans
Current: $221.0M · Tier avg: $139.2M
75
75th pctile
Non-Interest Income / Assets
Current: 0.58% · Tier avg: 0.56%
72
72th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.64%
69
69th pctile
Total Deposits
Current: $242.8M · Tier avg: $183.7M
66
66th pctile
Total Assets
Current: $269.2M · Tier avg: $217.5M
53
53th pctile
Tier 1 Capital Ratio
Current: 10.57% · Tier avg: 8.85%
44
44th pctile
Nonperforming Asset Ratio
Current: 0.39% · Tier avg: 0.45%
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 16.94% · Tier avg: 22.39%
21
21th pctile
Loan-to-Deposit Ratio
Current: 91.01% · Tier avg: 74.53%
20
20th pctile
Net Interest Margin
Current: 3.12% · Tier avg: 3.85%
7
7th pctile
Return on Assets
Current: 0.05% · Tier avg: 1.08%
6
6th pctile
Efficiency Ratio
Current: 97.12% · Tier avg: 67.73%
Top Weaknesses
6
6th pctile
Efficiency Ratio
Current: 97.12% · Tier avg: 67.73%
7
7th pctile
Return on Assets
Current: 0.05% · Tier avg: 1.08%
20
20th pctile
Net Interest Margin
Current: 3.12% · Tier avg: 3.85%
21
21th pctile
Loan-to-Deposit Ratio
Current: 91.01% · Tier avg: 74.53%
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 16.94% · Tier avg: 22.39%
44
44th pctile
Nonperforming Asset Ratio
Current: 0.39% · Tier avg: 0.45%
53
53th pctile
Tier 1 Capital Ratio
Current: 10.57% · Tier avg: 8.85%
66
66th pctile
Total Assets
Current: $269.2M · Tier avg: $217.5M
69
69th pctile
Total Deposits
Current: $242.8M · Tier avg: $183.7M
72
72th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.64%
75
75th pctile
Non-Interest Income / Assets
Current: 0.58% · Tier avg: 0.56%
79
79th pctile
Total Loans
Current: $221.0M · Tier avg: $139.2M