BlastPoint's Banking Scorecard
New Carlisle Federal Savings Bank
Micro
Specialty: Commercial
OH
FDIC cert 29173
Designations: ✓ Community bank ✓ Mutual
New Carlisle, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
New Carlisle Federal Savings Bank shows strong momentum with 1 strength and 15.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 35.48% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$314.2M
+15.8% YoY
-0.5% QoQ
|
+$96.7M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
75% |
| Total Loans ? |
$273.1M
+14.3% YoY
+3.0% QoQ
|
+$133.9M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
Top 12% in tier |
| Total Deposits ? |
$248.2M
+31.9% YoY
-0.1% QoQ
|
+$64.6M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
71% |
| Return on Assets ? |
0.96%
-10.1% YoY
-5.2% QoQ
|
-0.12% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
43% |
| Net Interest Margin ? |
3.70%
-0.8% YoY
+1.6% QoQ
|
-0.15% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
44% |
| Efficiency Ratio ? |
62.24%
-0.8% YoY
-1.0% QoQ
|
-5.48% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
61% |
| Delinquency Rate ? |
1.48%
-2.3% YoY
-25.9% QoQ
|
+0.84% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
110.01%
-13.4% YoY
+3.1% QoQ
|
+35.48% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
Top 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.19%
-26.1% YoY
-6.1% QoQ
|
-6.20% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
27% |
| Nonperforming Asset Ratio ? |
1.28%
-3.6% YoY
-23.3% QoQ
|
+0.83% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
Bottom 14% in tier |
| Tier 1 Capital Ratio ? |
9.59%
-2.9% YoY
+1.3% QoQ
|
+0.74% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.31%
-38.9% YoY
+28.9% QoQ
|
-0.25% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
43% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
110.01%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (0)
No concerns identified
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
97
97th pctile
Loan-to-Deposit Ratio
Current: 110.01% · Tier avg: 74.53%
88
88th pctile
Total Loans
Current: $273.1M · Tier avg: $139.2M
75
75th pctile
Total Assets
Current: $314.2M · Tier avg: $217.5M
71
71th pctile
Total Deposits
Current: $248.2M · Tier avg: $183.7M
61
61th pctile
Efficiency Ratio
Current: 62.24% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 9.59% · Tier avg: 8.85%
44
44th pctile
Net Interest Margin
Current: 3.70% · Tier avg: 3.85%
43
43th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.56%
43
43th pctile
Return on Assets
Current: 0.96% · Tier avg: 1.08%
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 16.19% · Tier avg: 22.39%
19
19th pctile
Delinquency Rate
Current: 1.48% · Tier avg: 0.64%
14
14th pctile
Nonperforming Asset Ratio
Current: 1.28% · Tier avg: 0.45%
Top Weaknesses
14
14th pctile
Nonperforming Asset Ratio
Current: 1.28% · Tier avg: 0.45%
19
19th pctile
Delinquency Rate
Current: 1.48% · Tier avg: 0.64%
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 16.19% · Tier avg: 22.39%
43
43th pctile
Return on Assets
Current: 0.96% · Tier avg: 1.08%
43
43th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.56%
44
44th pctile
Net Interest Margin
Current: 3.70% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 9.59% · Tier avg: 8.85%
61
61th pctile
Efficiency Ratio
Current: 62.24% · Tier avg: 67.73%
71
71th pctile
Total Deposits
Current: $248.2M · Tier avg: $183.7M
75
75th pctile
Total Assets
Current: $314.2M · Tier avg: $217.5M
88
88th pctile
Total Loans
Current: $273.1M · Tier avg: $139.2M
97
97th pctile
Loan-to-Deposit Ratio
Current: 110.01% · Tier avg: 74.53%