BlastPoint's Banking Scorecard
Adelphi Bank
Micro
Specialty: Commercial
OH
FDIC cert 59292
Designations: ✓ Community bank
Columbus, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
Adelphi Bank has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.21% above tier
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 25.56% above tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Return on Assets 2.30% below tier
- - Efficiency Ratio 46.88% above tier
- - Non-Interest Income / Assets 0.46% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$106.4M
+56.1% YoY
+13.4% QoQ
|
-$111.1M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
25% |
| Total Loans ? |
$86.3M
+69.3% YoY
+17.1% QoQ
|
-$52.9M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
37% |
| Total Deposits ? |
$86.2M
+80.9% YoY
+16.9% QoQ
|
-$97.4M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
23% |
| Return on Assets ? |
-1.21%
+60.6% YoY
+17.6% QoQ
|
-2.30% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 2% in tier |
| Net Interest Margin ? |
5.06%
-10.5% YoY
-1.8% QoQ
|
+1.21% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Top 8% in tier |
| Efficiency Ratio ? |
114.61%
-18.3% YoY
-3.4% QoQ
|
+46.88% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 2% 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 ? |
100.09%
-6.4% YoY
+0.2% QoQ
|
+25.56% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
Top 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.81%
+3.5% YoY
+100.5% QoQ
|
-6.59% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
26% |
| 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 ? |
0.10%
+45.5% YoY
+37.4% QoQ
|
-0.46% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 8% in tier |
Signature Analysis
Strengths (4)
Net Interest Margin
metric
Top 8%
in Micro
Why this stands out
Current:
5.06%
(Tier avg: 3.85%, National avg: 3.75%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
100.09%
(Tier avg: 74.53%, National avg: 78.04%)
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 2%
in Micro
Why this stands out
Current:
-1.21%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 2%
in Micro
Why this stands out
Current:
114.61%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest Income / Assets
metric
Bottom 8%
in Micro
Why this stands out
Current:
0.10%
(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
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
92
92th pctile
Net Interest Margin
Current: 5.06% · Tier avg: 3.85%
91
91th pctile
Loan-to-Deposit Ratio
Current: 100.09% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
37
37th pctile
Total Loans
Current: $86.3M · Tier avg: $139.2M
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 15.81% · Tier avg: 22.39%
25
25th pctile
Total Assets
Current: $106.4M · Tier avg: $217.5M
23
23th pctile
Total Deposits
Current: $86.2M · Tier avg: $183.7M
8
8th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
2
2th pctile
Return on Assets
Current: -1.21% · Tier avg: 1.08%
2
2th pctile
Efficiency Ratio
Current: 114.61% · Tier avg: 67.73%
Top Weaknesses
2
2th pctile
Efficiency Ratio
Current: 114.61% · Tier avg: 67.73%
2
2th pctile
Return on Assets
Current: -1.21% · Tier avg: 1.08%
8
8th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
23
23th pctile
Total Deposits
Current: $86.2M · Tier avg: $183.7M
25
25th pctile
Total Assets
Current: $106.4M · Tier avg: $217.5M
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 15.81% · Tier avg: 22.39%
37
37th pctile
Total Loans
Current: $86.3M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
91
91th pctile
Loan-to-Deposit Ratio
Current: 100.09% · Tier avg: 74.53%
92
92th pctile
Net Interest Margin
Current: 5.06% · Tier avg: 3.85%
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%