BlastPoint's Banking Scorecard
The First National Bank of Blanchester
Micro
Specialty: Mortgage
OH
FDIC cert 6530
Designations: ✓ Community bank
Blanchester, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
The First National Bank of Blanchester 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
- - Non-Interest-Bearing Deposit Share 15.39% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$78.7M
+3.8% YoY
-3.2% QoQ
|
-$138.8M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
16% |
| Total Loans ? |
$49.4M
+7.6% YoY
+2.6% QoQ
|
-$89.7M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
19% |
| Total Deposits ? |
$70.2M
+4.1% YoY
-3.5% QoQ
|
-$113.4M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
17% |
| Return on Assets ? |
1.13%
+48.4% YoY
+7.6% QoQ
|
+0.04% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
54% |
| Net Interest Margin ? |
3.91%
+18.8% YoY
+3.0% QoQ
|
+0.06% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
55% |
| Efficiency Ratio ? |
66.83%
-10.6% YoY
-2.2% QoQ
|
-0.90% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
48% |
| Delinquency Rate ? |
0.04%
-53.5% YoY
+28.0% QoQ
|
-0.60% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
70.39%
+3.4% YoY
+6.3% QoQ
|
-4.14% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
7.01%
-1.5% YoY
+5.3% QoQ
|
-15.39% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 7% in tier |
| Nonperforming Asset Ratio ? |
0.03%
-51.8% YoY
+35.5% QoQ
|
-0.43% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
77% |
| Tier 1 Capital Ratio ? |
21.23%
-6.5% YoY
+0.1% QoQ
|
+12.38% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
Top 12% in tier |
| Non-Interest Income / Assets ? |
0.56%
-8.0% YoY
+38.4% QoQ
|
0 |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
74% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 7%
in Micro
Why this stands out
Current:
7.01%
(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
88
88th pctile
Tier 1 Capital Ratio
Current: 21.23% · Tier avg: 8.85%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.45%
76
76th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.64%
74
74th pctile
Non-Interest Income / Assets
Current: 0.56% · Tier avg: 0.56%
55
55th pctile
Net Interest Margin
Current: 3.91% · Tier avg: 3.85%
54
54th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.08%
48
48th pctile
Efficiency Ratio
Current: 66.83% · Tier avg: 67.73%
39
39th pctile
Loan-to-Deposit Ratio
Current: 70.39% · Tier avg: 74.53%
19
19th pctile
Total Loans
Current: $49.4M · Tier avg: $139.2M
17
17th pctile
Total Deposits
Current: $70.2M · Tier avg: $183.7M
16
16th pctile
Total Assets
Current: $78.7M · Tier avg: $217.5M
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 7.01% · Tier avg: 22.39%
Top Weaknesses
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 7.01% · Tier avg: 22.39%
16
16th pctile
Total Assets
Current: $78.7M · Tier avg: $217.5M
17
17th pctile
Total Deposits
Current: $70.2M · Tier avg: $183.7M
19
19th pctile
Total Loans
Current: $49.4M · Tier avg: $139.2M
39
39th pctile
Loan-to-Deposit Ratio
Current: 70.39% · Tier avg: 74.53%
48
48th pctile
Efficiency Ratio
Current: 66.83% · Tier avg: 67.73%
54
54th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.08%
55
55th pctile
Net Interest Margin
Current: 3.91% · Tier avg: 3.85%
74
74th pctile
Non-Interest Income / Assets
Current: 0.56% · Tier avg: 0.56%
76
76th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.64%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.45%
88
88th pctile
Tier 1 Capital Ratio
Current: 21.23% · Tier avg: 8.85%