BlastPoint's Banking Scorecard
Mechanics Bank
Community
Specialty: Mortgage
OH
FDIC cert 29011
Mansfield, OH
1484
banks in Community tier nationally
45 in OH
View Community leaderboard (OH) →
Mechanics Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 19% in Community
- - Credit Risk Growth: Bottom 28% in Community
- - Liquidity Strain: Bottom 29% in Community
- - Non-Interest-Bearing Deposit Share 14.01% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$872.5M
+6.3% YoY
+3.1% QoQ
|
-$518.9M |
$1.4B
+2.0% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
40% |
| Total Loans ? |
$702.8M
+7.3% YoY
+2.5% QoQ
|
-$272.7M |
$975.5M
+2.4% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
50% |
| Total Deposits ? |
$766.1M
+1.6% YoY
+1.3% QoQ
|
-$398.5M |
$1.2B
+1.7% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
44% |
| Return on Assets ? |
0.67%
+37.1% YoY
+8.4% QoQ
|
-0.49% |
1.16%
+17.2% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
18% |
| Net Interest Margin ? |
3.20%
+13.0% YoY
+1.0% QoQ
|
-0.46% |
3.66%
+9.1% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
25% |
| Efficiency Ratio ? |
77.70%
-6.2% YoY
-1.5% QoQ
|
+15.07% |
62.63%
-5.3% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 13% in tier |
| Delinquency Rate ? |
0.34%
+8.7% YoY
-10.3% QoQ
|
-0.29% |
0.63%
+18.3% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
91.73%
+5.7% YoY
+1.2% QoQ
|
+8.67% |
83.06%
+0.3% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
7.03%
-10.7% YoY
-11.9% QoQ
|
-14.01% |
21.05%
-0.9% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 5% in tier |
| Nonperforming Asset Ratio ? |
0.27%
+7.4% YoY
-10.8% QoQ
|
-0.22% |
0.50%
+20.3% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
57% |
| Tier 1 Capital Ratio ? |
15.06%
-3.5% YoY
-0.7% QoQ
|
+4.81% |
10.24%
-0.6% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.83%
+5.7% YoY
+39.3% QoQ
|
+0.09% |
0.74%
-1.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
79% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Credit Quality Pressure
risk
#152 of 808 · Bottom 19% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.34%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#180 of 642 · Bottom 28% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#150 of 513 · Bottom 29% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
91.73%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Non-Interest-Bearing Deposit Share
metric
Bottom 5%
in Community
Why this stands out
Current:
7.03%
(Tier avg: 21.05%, 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
79
79th pctile
Non-Interest Income / Assets
Current: 0.83% · Tier avg: 0.74%
76
76th pctile
Tier 1 Capital Ratio
Current: 15.06% · Tier avg: 10.24%
69
69th pctile
Loan-to-Deposit Ratio
Current: 91.73% · Tier avg: 83.06%
58
58th pctile
Delinquency Rate
Current: 0.34% · Tier avg: 0.63%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.27% · Tier avg: 0.50%
50
50th pctile
Total Loans
Current: $702.8M · Tier avg: $975.5M
44
44th pctile
Total Deposits
Current: $766.1M · Tier avg: $1.2B
40
40th pctile
Total Assets
Current: $872.5M · Tier avg: $1.4B
25
25th pctile
Net Interest Margin
Current: 3.20% · Tier avg: 3.66%
18
18th pctile
Return on Assets
Current: 0.67% · Tier avg: 1.16%
13
13th pctile
Efficiency Ratio
Current: 77.70% · Tier avg: 62.63%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 7.03% · Tier avg: 21.05%
Top Weaknesses
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 7.03% · Tier avg: 21.05%
13
13th pctile
Efficiency Ratio
Current: 77.70% · Tier avg: 62.63%
18
18th pctile
Return on Assets
Current: 0.67% · Tier avg: 1.16%
25
25th pctile
Net Interest Margin
Current: 3.20% · Tier avg: 3.66%
40
40th pctile
Total Assets
Current: $872.5M · Tier avg: $1.4B
44
44th pctile
Total Deposits
Current: $766.1M · Tier avg: $1.2B
50
50th pctile
Total Loans
Current: $702.8M · Tier avg: $975.5M
57
57th pctile
Nonperforming Asset Ratio
Current: 0.27% · Tier avg: 0.50%
58
58th pctile
Delinquency Rate
Current: 0.34% · Tier avg: 0.63%
69
69th pctile
Loan-to-Deposit Ratio
Current: 91.73% · Tier avg: 83.06%
76
76th pctile
Tier 1 Capital Ratio
Current: 15.06% · Tier avg: 10.24%
79
79th pctile
Non-Interest Income / Assets
Current: 0.83% · Tier avg: 0.74%