BlastPoint's Banking Scorecard
New Foundation Savings Bank
Micro
Specialty: Mortgage
OH
FDIC cert 32306
Designations: ✓ Community bank ✓ Mutual
Cincinnati, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
New Foundation Savings Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.28% below tier
- - Efficiency Ratio 39.57% above tier
- - Non-Interest-Bearing Deposit Share 15.65% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$18.0M
-9.2% YoY
-1.3% QoQ
|
-$199.5M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| Total Loans ? |
$14.0M
-15.7% YoY
-4.9% QoQ
|
-$125.2M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
Bottom 5% in tier |
| Total Deposits ? |
$14.5M
-10.7% YoY
-2.0% QoQ
|
-$169.2M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 2% in tier |
| Return on Assets ? |
-0.19%
+67.8% YoY
+28.3% QoQ
|
-1.28% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 5% in tier |
| Net Interest Margin ? |
3.30%
-0.5% YoY
-0.6% QoQ
|
-0.56% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
25% |
| Efficiency Ratio ? |
107.30%
-10.3% YoY
-3.1% QoQ
|
+39.57% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 3% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
96.69%
-5.6% YoY
-3.0% QoQ
|
+22.17% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
6.74%
+20.9% YoY
+10.1% QoQ
|
-15.65% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 7% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| 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 ? |
0.44%
+24.3% YoY
+43.0% QoQ
|
-0.12% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
62% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (3)
Return on Assets
metric
Bottom 5%
in Micro
Why this stands out
Current:
-0.19%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 3%
in Micro
Why this stands out
Current:
107.30%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 7%
in Micro
Why this stands out
Current:
6.74%
(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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
62
62th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
25
25th pctile
Net Interest Margin
Current: 3.30% · Tier avg: 3.85%
13
13th pctile
Loan-to-Deposit Ratio
Current: 96.69% · Tier avg: 74.53%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 6.74% · Tier avg: 22.39%
5
5th pctile
Total Loans
Current: $14.0M · Tier avg: $139.2M
5
5th pctile
Return on Assets
Current: -0.19% · Tier avg: 1.08%
3
3th pctile
Efficiency Ratio
Current: 107.30% · Tier avg: 67.73%
2
2th pctile
Total Deposits
Current: $14.5M · Tier avg: $183.7M
1
1th pctile
Total Assets
Current: $18.0M · Tier avg: $217.5M
Top Weaknesses
1
1th pctile
Total Assets
Current: $18.0M · Tier avg: $217.5M
2
2th pctile
Total Deposits
Current: $14.5M · Tier avg: $183.7M
3
3th pctile
Efficiency Ratio
Current: 107.30% · Tier avg: 67.73%
5
5th pctile
Return on Assets
Current: -0.19% · Tier avg: 1.08%
5
5th pctile
Total Loans
Current: $14.0M · Tier avg: $139.2M
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 6.74% · Tier avg: 22.39%
13
13th pctile
Loan-to-Deposit Ratio
Current: 96.69% · Tier avg: 74.53%
25
25th pctile
Net Interest Margin
Current: 3.30% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
62
62th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.56%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%