BlastPoint's Banking Scorecard
The First National Bank of Bellevue
Micro
Specialty: Commercial
OH
FDIC cert 6528
Designations: ✓ Community bank
Bellevue, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
The First National Bank of Bellevue faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 2.94% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$309.3M
+5.3% YoY
-5.9% QoQ
|
+$91.8M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
74% |
| Total Loans ? |
$171.4M
-2.8% YoY
-2.6% QoQ
|
+$32.2M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
67% |
| Total Deposits ? |
$278.3M
+5.2% YoY
-6.7% QoQ
|
+$94.7M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
77% |
| Return on Assets ? |
-1.85%
-442.1% YoY
+31.7% QoQ
|
-2.94% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
3.62%
+7.6% YoY
+3.8% QoQ
|
-0.23% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
40% |
| Efficiency Ratio ? |
80.21%
-1.6% YoY
-3.3% QoQ
|
+12.48% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
21% |
| Delinquency Rate ? |
1.80%
+894.4% YoY
+8.5% QoQ
|
+1.16% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
Bottom 15% in tier |
| Loan-to-Deposit Ratio ? |
61.59%
-7.6% YoY
+4.5% QoQ
|
-12.94% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
19.87%
-9.9% YoY
+3.0% QoQ
|
-2.53% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
41% |
| Nonperforming Asset Ratio ? |
1.00%
+817.3% YoY
+12.3% QoQ
|
+0.55% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
19% |
| 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 ? |
0.30%
-14.3% YoY
+35.8% QoQ
|
-0.27% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
40% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Return on Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
-1.85%
(Tier avg: 1.08%, National avg: 1.12%)
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
77
77th pctile
Total Deposits
Current: $278.3M · Tier avg: $183.7M
74
74th pctile
Loan-to-Deposit Ratio
Current: 61.59% · Tier avg: 74.53%
74
74th pctile
Total Assets
Current: $309.3M · Tier avg: $217.5M
67
67th pctile
Total Loans
Current: $171.4M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 19.87% · Tier avg: 22.39%
40
40th pctile
Net Interest Margin
Current: 3.62% · Tier avg: 3.85%
40
40th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
21
21th pctile
Efficiency Ratio
Current: 80.21% · Tier avg: 67.73%
19
19th pctile
Nonperforming Asset Ratio
Current: 1.00% · Tier avg: 0.45%
15
15th pctile
Delinquency Rate
Current: 1.80% · Tier avg: 0.64%
1
1th pctile
Return on Assets
Current: -1.85% · Tier avg: 1.08%
Top Weaknesses
1
1th pctile
Return on Assets
Current: -1.85% · Tier avg: 1.08%
15
15th pctile
Delinquency Rate
Current: 1.80% · Tier avg: 0.64%
19
19th pctile
Nonperforming Asset Ratio
Current: 1.00% · Tier avg: 0.45%
21
21th pctile
Efficiency Ratio
Current: 80.21% · Tier avg: 67.73%
40
40th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
40
40th pctile
Net Interest Margin
Current: 3.62% · Tier avg: 3.85%
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 19.87% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
67
67th pctile
Total Loans
Current: $171.4M · Tier avg: $139.2M
74
74th pctile
Total Assets
Current: $309.3M · Tier avg: $217.5M
74
74th pctile
Loan-to-Deposit Ratio
Current: 61.59% · Tier avg: 74.53%
77
77th pctile
Total Deposits
Current: $278.3M · Tier avg: $183.7M