BlastPoint's Banking Scorecard
Conneaut Savings Bank
Micro
Specialty: Mortgage
OH
FDIC cert 28677
Designations: ✓ Community bank
Conneaut, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
Conneaut Savings Bank 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 0.96% below tier
- - Efficiency Ratio 28.67% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$76.1M
+1.7% YoY
+2.1% QoQ
|
-$141.4M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 15% in tier |
| Total Loans ? |
$52.5M
+2.9% YoY
+2.3% QoQ
|
-$86.7M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
21% |
| Total Deposits ? |
$64.6M
+3.2% YoY
+2.6% QoQ
|
-$119.1M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
15% |
| Return on Assets ? |
0.12%
+735.7% YoY
+110.8% QoQ
|
-0.96% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 8% in tier |
| Net Interest Margin ? |
3.35%
+14.7% YoY
+1.6% QoQ
|
-0.50% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
27% |
| Efficiency Ratio ? |
96.40%
-4.9% YoY
-2.4% QoQ
|
+28.67% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 6% in tier |
| Delinquency Rate ? |
0.69%
-12.7% YoY
-20.3% QoQ
|
+0.05% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
81.32%
-0.3% YoY
-0.3% QoQ
|
+6.79% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
14.90%
+15.8% YoY
+4.3% QoQ
|
-7.49% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.48%
-11.7% YoY
-20.2% QoQ
|
+0.02% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
38% |
| 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 ? |
0.30%
-8.1% YoY
+30.6% QoQ
|
-0.26% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
41% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Return on Assets
metric
Bottom 8%
in Micro
Why this stands out
Current:
0.12%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
96.40%
(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
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
41
41th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
40
40th pctile
Loan-to-Deposit Ratio
Current: 81.32% · Tier avg: 74.53%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.48% · Tier avg: 0.45%
38
38th pctile
Delinquency Rate
Current: 0.69% · Tier avg: 0.64%
27
27th pctile
Net Interest Margin
Current: 3.35% · Tier avg: 3.85%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.90% · Tier avg: 22.39%
21
21th pctile
Total Loans
Current: $52.5M · Tier avg: $139.2M
15
15th pctile
Total Deposits
Current: $64.6M · Tier avg: $183.7M
15
15th pctile
Total Assets
Current: $76.1M · Tier avg: $217.5M
8
8th pctile
Return on Assets
Current: 0.12% · Tier avg: 1.08%
6
6th pctile
Efficiency Ratio
Current: 96.40% · Tier avg: 67.73%
Top Weaknesses
6
6th pctile
Efficiency Ratio
Current: 96.40% · Tier avg: 67.73%
8
8th pctile
Return on Assets
Current: 0.12% · Tier avg: 1.08%
15
15th pctile
Total Assets
Current: $76.1M · Tier avg: $217.5M
15
15th pctile
Total Deposits
Current: $64.6M · Tier avg: $183.7M
21
21th pctile
Total Loans
Current: $52.5M · Tier avg: $139.2M
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.90% · Tier avg: 22.39%
27
27th pctile
Net Interest Margin
Current: 3.35% · Tier avg: 3.85%
38
38th pctile
Delinquency Rate
Current: 0.69% · Tier avg: 0.64%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.48% · Tier avg: 0.45%
40
40th pctile
Loan-to-Deposit Ratio
Current: 81.32% · Tier avg: 74.53%
41
41th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%