BlastPoint's Banking Scorecard
First Mutual Bank, FSB
Micro
Specialty: Mortgage
OH
FDIC cert 29617
Belpre, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
First Mutual Bank, FSB faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Ratio 22.53% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$112.5M
+0.8% YoY
+2.2% QoQ
|
-$105.0M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
26% |
| Total Loans ? |
$68.8M
-1.8% YoY
-2.1% QoQ
|
-$70.4M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
28% |
| Total Deposits ? |
$91.2M
+1.7% YoY
+2.4% QoQ
|
-$92.5M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
26% |
| Return on Assets ? |
0.27%
+236.0% YoY
-2.4% QoQ
|
-0.82% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 11% in tier |
| Net Interest Margin ? |
2.85%
+21.1% YoY
-1.2% QoQ
|
-1.01% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 12% in tier |
| Efficiency Ratio ? |
90.26%
-4.4% YoY
+1.5% QoQ
|
+22.53% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 9% in tier |
| Delinquency Rate ? |
0.91%
+115.4% YoY
+88.6% QoQ
|
+0.27% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
75.44%
-3.4% YoY
-4.3% QoQ
|
+0.91% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
9.17%
-9.9% YoY
+4.3% QoQ
|
-13.22% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 10% in tier |
| Nonperforming Asset Ratio ? |
0.55%
+109.9% YoY
+80.7% QoQ
|
+0.10% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
34% |
| Tier 1 Capital Ratio ? |
18.11%
+0.7% YoY
+5.3% QoQ
|
+9.26% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.42%
+7.2% YoY
+30.7% QoQ
|
-0.14% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
58% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Efficiency Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
90.26%
(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
82
82th pctile
Tier 1 Capital Ratio
Current: 18.11% · Tier avg: 8.85%
58
58th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
52
52th pctile
Loan-to-Deposit Ratio
Current: 75.44% · Tier avg: 74.53%
34
34th pctile
Nonperforming Asset Ratio
Current: 0.55% · Tier avg: 0.45%
31
31th pctile
Delinquency Rate
Current: 0.91% · Tier avg: 0.64%
28
28th pctile
Total Loans
Current: $68.8M · Tier avg: $139.2M
26
26th pctile
Total Assets
Current: $112.5M · Tier avg: $217.5M
26
26th pctile
Total Deposits
Current: $91.2M · Tier avg: $183.7M
12
12th pctile
Net Interest Margin
Current: 2.85% · Tier avg: 3.85%
11
11th pctile
Return on Assets
Current: 0.27% · Tier avg: 1.08%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 9.17% · Tier avg: 22.39%
9
9th pctile
Efficiency Ratio
Current: 90.26% · Tier avg: 67.73%
Top Weaknesses
9
9th pctile
Efficiency Ratio
Current: 90.26% · Tier avg: 67.73%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 9.17% · Tier avg: 22.39%
11
11th pctile
Return on Assets
Current: 0.27% · Tier avg: 1.08%
12
12th pctile
Net Interest Margin
Current: 2.85% · Tier avg: 3.85%
26
26th pctile
Total Deposits
Current: $91.2M · Tier avg: $183.7M
26
26th pctile
Total Assets
Current: $112.5M · Tier avg: $217.5M
28
28th pctile
Total Loans
Current: $68.8M · Tier avg: $139.2M
31
31th pctile
Delinquency Rate
Current: 0.91% · Tier avg: 0.64%
34
34th pctile
Nonperforming Asset Ratio
Current: 0.55% · Tier avg: 0.45%
52
52th pctile
Loan-to-Deposit Ratio
Current: 75.44% · Tier avg: 74.53%
58
58th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
82
82th pctile
Tier 1 Capital Ratio
Current: 18.11% · Tier avg: 8.85%