BlastPoint's Banking Scorecard
The Wilmington Savings Bank
Micro
Specialty: Mortgage
OH
FDIC cert 31539
Designations: ✓ Community bank ✓ Mutual
Wilmington, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
The Wilmington Savings Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.48% below tier
- - Non-Interest-Bearing Deposit Share 15.73% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$266.8M
+9.6% YoY
+3.1% QoQ
|
+$49.3M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
65% |
| Total Loans ? |
$199.5M
+8.4% YoY
+7.0% QoQ
|
+$60.4M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
74% |
| Total Deposits ? |
$227.6M
+9.4% YoY
+3.2% QoQ
|
+$43.9M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
66% |
| Return on Assets ? |
0.77%
+189.0% YoY
+16.9% QoQ
|
-0.31% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
32% |
| Net Interest Margin ? |
2.37%
+20.9% YoY
+1.7% QoQ
|
-1.48% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 4% in tier |
| Efficiency Ratio ? |
64.87%
-23.7% YoY
-5.0% QoQ
|
-2.85% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
53% |
| Delinquency Rate ? |
0.79%
-8.9% YoY
-6.1% QoQ
|
+0.15% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
87.68%
-0.9% YoY
+3.7% QoQ
|
+13.15% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
6.67%
+4.9% YoY
+27.9% QoQ
|
-15.73% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 7% in tier |
| Nonperforming Asset Ratio ? |
0.59%
-10.0% YoY
-2.5% QoQ
|
+0.14% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
33% |
| 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 ? |
0.49%
+126.1% YoY
+65.4% QoQ
|
-0.07% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
68% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Net Interest Margin
metric
Bottom 4%
in Micro
Why this stands out
Current:
2.37%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 7%
in Micro
Why this stands out
Current:
6.67%
(Tier avg: 22.39%, 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
74
74th pctile
Total Loans
Current: $199.5M · Tier avg: $139.2M
68
68th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.56%
66
66th pctile
Total Deposits
Current: $227.6M · Tier avg: $183.7M
65
65th pctile
Total Assets
Current: $266.8M · Tier avg: $217.5M
53
53th pctile
Efficiency Ratio
Current: 64.87% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
35
35th pctile
Delinquency Rate
Current: 0.79% · Tier avg: 0.64%
33
33th pctile
Nonperforming Asset Ratio
Current: 0.59% · Tier avg: 0.45%
32
32th pctile
Return on Assets
Current: 0.77% · Tier avg: 1.08%
28
28th pctile
Loan-to-Deposit Ratio
Current: 87.68% · Tier avg: 74.53%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 6.67% · Tier avg: 22.39%
4
4th pctile
Net Interest Margin
Current: 2.37% · Tier avg: 3.85%
Top Weaknesses
4
4th pctile
Net Interest Margin
Current: 2.37% · Tier avg: 3.85%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 6.67% · Tier avg: 22.39%
28
28th pctile
Loan-to-Deposit Ratio
Current: 87.68% · Tier avg: 74.53%
32
32th pctile
Return on Assets
Current: 0.77% · Tier avg: 1.08%
33
33th pctile
Nonperforming Asset Ratio
Current: 0.59% · Tier avg: 0.45%
35
35th pctile
Delinquency Rate
Current: 0.79% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Efficiency Ratio
Current: 64.87% · Tier avg: 67.73%
65
65th pctile
Total Assets
Current: $266.8M · Tier avg: $217.5M
66
66th pctile
Total Deposits
Current: $227.6M · Tier avg: $183.7M
68
68th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.56%
74
74th pctile
Total Loans
Current: $199.5M · Tier avg: $139.2M