BlastPoint's Banking Scorecard
First Federal Savings and Loan Association of Van Wert
Micro
Specialty: Mortgage
OH
FDIC cert 29135
Designations: ✓ Community bank
Van Wert, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
First Federal Savings and Loan Association of Van Wert faces 3 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 1.37% below tier
- - Net Interest Margin 1.16% below tier
- - Efficiency Ratio 42.03% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$191.3M
+4.5% YoY
+0.3% QoQ
|
-$26.2M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
49% |
| Total Loans ? |
$128.2M
+9.9% YoY
+1.1% QoQ
|
-$11.0M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
53% |
| Total Deposits ? |
$164.1M
+8.0% YoY
+0.3% QoQ
|
-$19.6M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
49% |
| Return on Assets ? |
-0.29%
-229.1% YoY
+30.3% QoQ
|
-1.37% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 4% in tier |
| Net Interest Margin ? |
2.69%
+4.9% YoY
+2.0% QoQ
|
-1.16% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 8% in tier |
| Efficiency Ratio ? |
109.76%
+20.3% YoY
-4.3% QoQ
|
+42.03% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 3% in tier |
| Delinquency Rate ? |
1.43%
+246.4% YoY
+15.9% QoQ
|
+0.79% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
78.15%
+1.8% YoY
+0.8% QoQ
|
+3.62% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
10.80%
-4.4% YoY
-2.3% QoQ
|
-11.59% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 13% in tier |
| Nonperforming Asset Ratio ? |
0.96%
+264.6% YoY
+16.8% 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 ? |
0.24%
-20.4% YoY
+35.0% QoQ
|
-0.32% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
30% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Return on Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
-0.29%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 8%
in Micro
Why this stands out
Current:
2.69%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 3%
in Micro
Why this stands out
Current:
109.76%
(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
53
53th pctile
Total Loans
Current: $128.2M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Total Deposits
Current: $164.1M · Tier avg: $183.7M
49
49th pctile
Total Assets
Current: $191.3M · Tier avg: $217.5M
46
46th pctile
Loan-to-Deposit Ratio
Current: 78.15% · Tier avg: 74.53%
30
30th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.96% · Tier avg: 0.45%
20
20th pctile
Delinquency Rate
Current: 1.43% · Tier avg: 0.64%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 10.80% · Tier avg: 22.39%
8
8th pctile
Net Interest Margin
Current: 2.69% · Tier avg: 3.85%
4
4th pctile
Return on Assets
Current: -0.29% · Tier avg: 1.08%
3
3th pctile
Efficiency Ratio
Current: 109.76% · Tier avg: 67.73%
Top Weaknesses
3
3th pctile
Efficiency Ratio
Current: 109.76% · Tier avg: 67.73%
4
4th pctile
Return on Assets
Current: -0.29% · Tier avg: 1.08%
8
8th pctile
Net Interest Margin
Current: 2.69% · Tier avg: 3.85%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 10.80% · Tier avg: 22.39%
20
20th pctile
Delinquency Rate
Current: 1.43% · Tier avg: 0.64%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.96% · Tier avg: 0.45%
30
30th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
46
46th pctile
Loan-to-Deposit Ratio
Current: 78.15% · Tier avg: 74.53%
49
49th pctile
Total Assets
Current: $191.3M · Tier avg: $217.5M
49
49th pctile
Total Deposits
Current: $164.1M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Total Loans
Current: $128.2M · Tier avg: $139.2M