BlastPoint's Banking Scorecard
The Brookville Building and Savings Association
Micro
Specialty: Mortgage
OH
FDIC cert 28663
Designations: ✓ Community bank ✓ Mutual
Brookville, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
The Brookville Building and Savings Association has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.21% below tier
- - Efficiency Ratio 47.19% above tier
- - Non-Interest-Bearing Deposit Share 13.44% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$43.9M
+2.7% YoY
+0.3% QoQ
|
-$173.6M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 6% in tier |
| Total Loans ? |
$29.3M
-0.1% YoY
+2.1% QoQ
|
-$109.9M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
Bottom 10% in tier |
| Total Deposits ? |
$35.2M
+4.2% YoY
+0.5% QoQ
|
-$148.5M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 6% in tier |
| Return on Assets ? |
-0.12%
+89.0% YoY
-707.1% QoQ
|
-1.21% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 5% in tier |
| Net Interest Margin ? |
3.16%
+10.7% YoY
+0.2% QoQ
|
-0.69% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
21% |
| Efficiency Ratio ? |
114.92%
+4.3% YoY
-1.5% QoQ
|
+47.19% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 2% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
83.11%
-4.2% YoY
+1.6% QoQ
|
+8.59% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
8.95%
-6.7% YoY
+10.3% QoQ
|
-13.44% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 10% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
Top 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 ? |
0.17%
+1.5% YoY
+32.3% QoQ
|
-0.40% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
17% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (3)
Return on Assets
metric
Bottom 5%
in Micro
Why this stands out
Current:
-0.12%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 2%
in Micro
Why this stands out
Current:
114.92%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 10%
in Micro
Why this stands out
Current:
8.95%
(Tier avg: 22.39%, National avg: 21.79%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
36
36th pctile
Loan-to-Deposit Ratio
Current: 83.11% · Tier avg: 74.53%
21
21th pctile
Net Interest Margin
Current: 3.16% · Tier avg: 3.85%
17
17th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
10
10th pctile
Total Loans
Current: $29.3M · Tier avg: $139.2M
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 8.95% · Tier avg: 22.39%
6
6th pctile
Total Deposits
Current: $35.2M · Tier avg: $183.7M
6
6th pctile
Total Assets
Current: $43.9M · Tier avg: $217.5M
5
5th pctile
Return on Assets
Current: -0.12% · Tier avg: 1.08%
2
2th pctile
Efficiency Ratio
Current: 114.92% · Tier avg: 67.73%
Top Weaknesses
2
2th pctile
Efficiency Ratio
Current: 114.92% · Tier avg: 67.73%
5
5th pctile
Return on Assets
Current: -0.12% · Tier avg: 1.08%
6
6th pctile
Total Assets
Current: $43.9M · Tier avg: $217.5M
6
6th pctile
Total Deposits
Current: $35.2M · Tier avg: $183.7M
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 8.95% · Tier avg: 22.39%
10
10th pctile
Total Loans
Current: $29.3M · Tier avg: $139.2M
17
17th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
21
21th pctile
Net Interest Margin
Current: 3.16% · Tier avg: 3.85%
36
36th pctile
Loan-to-Deposit Ratio
Current: 83.11% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%