BlastPoint's Banking Scorecard
Ohio State Bank
Micro
Specialty: Commercial
OH
FDIC cert 59144
Designations: ✓ Community bank
Bexley, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
Ohio State Bank faces 4 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 1.82% below tier
- - Loan-to-Deposit Ratio 29.19% above tier
- - Non-Interest-Bearing Deposit Share 16.20% below tier
- - Non-Interest Income / Assets 0.52% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$482.8M
+5.2% YoY
+2.1% QoQ
|
+$265.3M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
Top 2% in tier |
| Total Loans ? |
$426.6M
+6.8% YoY
+3.1% QoQ
|
+$287.5M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$411.3M
+7.0% YoY
+1.2% QoQ
|
+$227.7M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
Top 2% in tier |
| Return on Assets ? |
0.59%
+561.7% YoY
+8.8% QoQ
|
-0.50% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
22% |
| Net Interest Margin ? |
2.03%
+57.5% YoY
+5.5% QoQ
|
-1.82% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 2% in tier |
| Efficiency Ratio ? |
59.70%
-39.3% YoY
-5.6% QoQ
|
-8.03% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
68% |
| Delinquency Rate ? | 0.45% | -0.19% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
103.72%
-0.2% YoY
+1.9% QoQ
|
+29.19% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
6.19%
-21.9% YoY
-13.9% QoQ
|
-16.20% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 6% in tier |
| Nonperforming Asset Ratio ? | 0.40% | -0.06% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
43% |
| 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 ? |
0.04%
-56.1% YoY
+56.5% QoQ
|
-0.52% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 2% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Net Interest Margin
metric
Bottom 2%
in Micro
Why this stands out
Current:
2.03%
(Tier avg: 3.85%, National avg: 3.75%)
Loan-to-Deposit Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
103.72%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 6%
in Micro
Why this stands out
Current:
6.19%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.04%
(Tier avg: 0.56%, National avg: 0.65%)
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
Total Loans
Current: $426.6M · Tier avg: $139.2M
98
98th pctile
Total Assets
Current: $482.8M · Tier avg: $217.5M
98
98th pctile
Total Deposits
Current: $411.3M · Tier avg: $183.7M
68
68th pctile
Efficiency Ratio
Current: 59.70% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Delinquency Rate
Current: 0.45% · Tier avg: 0.64%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.40% · Tier avg: 0.45%
22
22th pctile
Return on Assets
Current: 0.59% · Tier avg: 1.08%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 6.19% · Tier avg: 22.39%
6
6th pctile
Loan-to-Deposit Ratio
Current: 103.72% · Tier avg: 74.53%
2
2th pctile
Non-Interest Income / Assets
Current: 0.04% · Tier avg: 0.56%
2
2th pctile
Net Interest Margin
Current: 2.03% · Tier avg: 3.85%
Top Weaknesses
2
2th pctile
Net Interest Margin
Current: 2.03% · Tier avg: 3.85%
2
2th pctile
Non-Interest Income / Assets
Current: 0.04% · Tier avg: 0.56%
6
6th pctile
Loan-to-Deposit Ratio
Current: 103.72% · Tier avg: 74.53%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 6.19% · Tier avg: 22.39%
22
22th pctile
Return on Assets
Current: 0.59% · Tier avg: 1.08%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.40% · Tier avg: 0.45%
47
47th pctile
Delinquency Rate
Current: 0.45% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
68
68th pctile
Efficiency Ratio
Current: 59.70% · Tier avg: 67.73%
98
98th pctile
Total Deposits
Current: $411.3M · Tier avg: $183.7M
98
98th pctile
Total Assets
Current: $482.8M · Tier avg: $217.5M
100
100th pctile
Total Loans
Current: $426.6M · Tier avg: $139.2M