BlastPoint's Banking Scorecard
United Midwest Savings Bank, National Association
Community
Specialty: Commercial
OH
FDIC cert 32441
Degraff, OH
1484
banks in Community tier nationally
45 in OH
View Community leaderboard (OH) →
United Midwest Savings Bank, National Association has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 21% in Community
- + Net Interest Margin 1.01% above tier
- + Tier 1 Capital Ratio 8.93% above tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 11% in Community
- - Liquidity Overhang: Bottom 39% in Community
- - Non-Interest-Bearing Deposit Share 16.13% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$506.7M
+3.3% YoY
-0.1% QoQ
|
-$884.8M |
$1.4B
+2.0% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| Total Loans ? |
$347.1M
+16.7% YoY
-1.6% QoQ
|
-$628.4M |
$975.5M
+2.4% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
Bottom 8% in tier |
| Total Deposits ? |
$419.5M
+3.8% YoY
+0.2% QoQ
|
-$745.1M |
$1.2B
+1.7% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 2% in tier |
| Return on Assets ? |
0.98%
-23.4% YoY
-24.4% QoQ
|
-0.19% |
1.16%
+17.2% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
37% |
| Net Interest Margin ? |
4.67%
-4.8% YoY
+0.6% QoQ
|
+1.01% |
3.66%
+9.1% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Top 9% in tier |
| Efficiency Ratio ? |
74.40%
+5.4% YoY
+2.0% QoQ
|
+11.77% |
62.63%
-5.3% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
18% |
| Delinquency Rate ? |
1.21%
-24.3% YoY
-36.3% QoQ
|
+0.58% |
0.63%
+18.3% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
82.75%
+12.5% YoY
-1.8% QoQ
|
-0.32% |
83.06%
+0.3% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
4.92%
+5.2% YoY
-9.6% QoQ
|
-16.13% |
21.05%
-0.9% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 4% in tier |
| Nonperforming Asset Ratio ? |
0.83%
-14.5% YoY
-37.3% QoQ
|
+0.33% |
0.50%
+20.3% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
24% |
| Tier 1 Capital Ratio ? |
19.17%
-1.9% YoY
-0.9% QoQ
|
+8.93% |
10.24%
-0.6% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
Top 8% in tier |
| Non-Interest Income / Assets ? |
6.14%
-1.5% YoY
+25.7% QoQ
|
+5.40% |
0.74%
-1.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (3)
Revenue Diversifier
growth
#77 of 371 · Top 21% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
6.14%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
0.98%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Net Interest Margin
metric
Top 9%
in Community
Why this stands out
Current:
4.67%
(Tier avg: 3.66%, National avg: 3.75%)
Tier 1 Capital Ratio
metric
Top 8%
in Community
Why this stands out
Current:
19.17%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (3)
Margin Compression
decline
#14 of 120 · Bottom 11% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
0.98%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Liquidity Overhang
risk
#104 of 268 · Bottom 39% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
19.17%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
82.75%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Non-Interest-Bearing Deposit Share
metric
Bottom 4%
in Community
Why this stands out
Current:
4.92%
(Tier avg: 21.05%, 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
99
99th pctile
Non-Interest Income / Assets
Current: 6.14% · Tier avg: 0.74%
92
92th pctile
Tier 1 Capital Ratio
Current: 19.17% · Tier avg: 10.24%
91
91th pctile
Net Interest Margin
Current: 4.67% · Tier avg: 3.66%
56
56th pctile
Loan-to-Deposit Ratio
Current: 82.75% · Tier avg: 83.06%
37
37th pctile
Return on Assets
Current: 0.98% · Tier avg: 1.16%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.83% · Tier avg: 0.50%
21
21th pctile
Delinquency Rate
Current: 1.21% · Tier avg: 0.63%
18
18th pctile
Efficiency Ratio
Current: 74.40% · Tier avg: 62.63%
8
8th pctile
Total Loans
Current: $347.1M · Tier avg: $975.5M
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 4.92% · Tier avg: 21.05%
2
2th pctile
Total Deposits
Current: $419.5M · Tier avg: $1.2B
1
1th pctile
Total Assets
Current: $506.7M · Tier avg: $1.4B
Top Weaknesses
1
1th pctile
Total Assets
Current: $506.7M · Tier avg: $1.4B
2
2th pctile
Total Deposits
Current: $419.5M · Tier avg: $1.2B
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 4.92% · Tier avg: 21.05%
8
8th pctile
Total Loans
Current: $347.1M · Tier avg: $975.5M
18
18th pctile
Efficiency Ratio
Current: 74.40% · Tier avg: 62.63%
21
21th pctile
Delinquency Rate
Current: 1.21% · Tier avg: 0.63%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.83% · Tier avg: 0.50%
37
37th pctile
Return on Assets
Current: 0.98% · Tier avg: 1.16%
56
56th pctile
Loan-to-Deposit Ratio
Current: 82.75% · Tier avg: 83.06%
91
91th pctile
Net Interest Margin
Current: 4.67% · Tier avg: 3.66%
92
92th pctile
Tier 1 Capital Ratio
Current: 19.17% · Tier avg: 10.24%
99
99th pctile
Non-Interest Income / Assets
Current: 6.14% · Tier avg: 0.74%