BlastPoint's Banking Scorecard
Mercer Savings Bank
Micro
Specialty: Agricultural
OH
FDIC cert 30084
Designations: ✓ Community bank
Celina, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
Mercer Savings Bank 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
- - Loan-to-Deposit Ratio 25.65% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$174.4M
-3.6% YoY
-1.1% QoQ
|
-$43.1M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
44% |
| Total Loans ? |
$149.7M
-4.0% YoY
-0.7% QoQ
|
+$10.5M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
60% |
| Total Deposits ? |
$149.4M
+9.2% YoY
+2.1% QoQ
|
-$34.3M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
45% |
| Return on Assets ? |
0.64%
+22.3% YoY
-7.1% QoQ
|
-0.45% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
24% |
| Net Interest Margin ? |
4.26%
+15.3% YoY
+0.8% QoQ
|
+0.41% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
70% |
| Efficiency Ratio ? |
80.53%
-2.5% YoY
+2.3% QoQ
|
+12.80% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
20% |
| Delinquency Rate ? |
0.54%
-2.2% YoY
-48.8% QoQ
|
-0.10% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
100.18%
-12.1% YoY
-2.8% QoQ
|
+25.65% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.39%
-15.2% YoY
-2.4% QoQ
|
-11.00% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 14% in tier |
| Nonperforming Asset Ratio ? |
0.47%
-2.7% YoY
-48.5% QoQ
|
+0.01% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
39% |
| Tier 1 Capital Ratio ? |
17.88%
+13.2% YoY
+4.7% QoQ
|
+9.03% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.21%
-39.3% YoY
+36.1% QoQ
|
-0.35% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
26% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
100.18%
(Tier avg: 74.53%, National avg: 78.04%)
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: 17.88% · Tier avg: 8.85%
70
70th pctile
Net Interest Margin
Current: 4.26% · Tier avg: 3.85%
60
60th pctile
Total Loans
Current: $149.7M · Tier avg: $139.2M
45
45th pctile
Total Deposits
Current: $149.4M · Tier avg: $183.7M
44
44th pctile
Total Assets
Current: $174.4M · Tier avg: $217.5M
43
43th pctile
Delinquency Rate
Current: 0.54% · Tier avg: 0.64%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.47% · Tier avg: 0.45%
26
26th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
24
24th pctile
Return on Assets
Current: 0.64% · Tier avg: 1.08%
20
20th pctile
Efficiency Ratio
Current: 80.53% · Tier avg: 67.73%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.39% · Tier avg: 22.39%
9
9th pctile
Loan-to-Deposit Ratio
Current: 100.18% · Tier avg: 74.53%
Top Weaknesses
9
9th pctile
Loan-to-Deposit Ratio
Current: 100.18% · Tier avg: 74.53%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.39% · Tier avg: 22.39%
20
20th pctile
Efficiency Ratio
Current: 80.53% · Tier avg: 67.73%
24
24th pctile
Return on Assets
Current: 0.64% · Tier avg: 1.08%
26
26th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.47% · Tier avg: 0.45%
43
43th pctile
Delinquency Rate
Current: 0.54% · Tier avg: 0.64%
44
44th pctile
Total Assets
Current: $174.4M · Tier avg: $217.5M
45
45th pctile
Total Deposits
Current: $149.4M · Tier avg: $183.7M
60
60th pctile
Total Loans
Current: $149.7M · Tier avg: $139.2M
70
70th pctile
Net Interest Margin
Current: 4.26% · Tier avg: 3.85%
82
82th pctile
Tier 1 Capital Ratio
Current: 17.88% · Tier avg: 8.85%