BlastPoint's Banking Scorecard
Community Savings
Micro
Specialty: Mortgage
OH
FDIC cert 27969
Designations: ✓ Community bank
Caldwell, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
Community Savings has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.71% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 33.14% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$297.7M
+10.4% YoY
-0.2% QoQ
|
+$80.2M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
72% |
| Total Loans ? |
$255.7M
+13.1% YoY
+2.6% QoQ
|
+$116.5M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
Top 14% in tier |
| Total Deposits ? |
$237.5M
+19.8% YoY
-3.4% QoQ
|
+$53.8M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
68% |
| Return on Assets ? |
1.21%
+84.4% YoY
+11.4% QoQ
|
+0.13% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
59% |
| Net Interest Margin ? |
4.88%
-5.0% YoY
+0.3% QoQ
|
+1.02% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Top 12% in tier |
| Efficiency Ratio ? |
68.47%
-11.6% YoY
-2.4% QoQ
|
+0.75% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
44% |
| Delinquency Rate ? |
1.11%
+81.6% YoY
+74.3% QoQ
|
+0.47% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
107.67%
-5.6% YoY
+6.3% QoQ
|
+33.14% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.79%
-17.8% YoY
+1.3% QoQ
|
-6.60% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
26% |
| Nonperforming Asset Ratio ? |
0.95%
+86.0% YoY
+79.2% QoQ
|
+0.50% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
21% |
| 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 ? |
1.28%
+19.3% YoY
+36.2% QoQ
|
+0.71% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
Top 5% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 5%
in Micro
Why this stands out
Current:
1.28%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
107.67%
(Tier avg: 74.53%, National avg: 78.04%)
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
95
95th pctile
Non-Interest Income / Assets
Current: 1.28% · Tier avg: 0.56%
88
88th pctile
Net Interest Margin
Current: 4.88% · Tier avg: 3.85%
86
86th pctile
Total Loans
Current: $255.7M · Tier avg: $139.2M
72
72th pctile
Total Assets
Current: $297.7M · Tier avg: $217.5M
68
68th pctile
Total Deposits
Current: $237.5M · Tier avg: $183.7M
59
59th pctile
Return on Assets
Current: 1.21% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
44
44th pctile
Efficiency Ratio
Current: 68.47% · Tier avg: 67.73%
26
26th pctile
Delinquency Rate
Current: 1.11% · Tier avg: 0.64%
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 15.79% · Tier avg: 22.39%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.95% · Tier avg: 0.45%
4
4th pctile
Loan-to-Deposit Ratio
Current: 107.67% · Tier avg: 74.53%
Top Weaknesses
4
4th pctile
Loan-to-Deposit Ratio
Current: 107.67% · Tier avg: 74.53%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.95% · Tier avg: 0.45%
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 15.79% · Tier avg: 22.39%
26
26th pctile
Delinquency Rate
Current: 1.11% · Tier avg: 0.64%
44
44th pctile
Efficiency Ratio
Current: 68.47% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
59
59th pctile
Return on Assets
Current: 1.21% · Tier avg: 1.08%
68
68th pctile
Total Deposits
Current: $237.5M · Tier avg: $183.7M
72
72th pctile
Total Assets
Current: $297.7M · Tier avg: $217.5M
86
86th pctile
Total Loans
Current: $255.7M · Tier avg: $139.2M
88
88th pctile
Net Interest Margin
Current: 4.88% · Tier avg: 3.85%
95
95th pctile
Non-Interest Income / Assets
Current: 1.28% · Tier avg: 0.56%