BlastPoint's Banking Scorecard
THE VINTON COUNTY NATIONAL BANK
Community
Specialty: Other
OH
FDIC cert 6636
Mcarthur, OH
1484
banks in Community tier nationally
45 in OH
View Community leaderboard (OH) →
THE VINTON COUNTY NATIONAL BANK 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
- - Capital Thin: Bottom 44% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
+4.3% YoY
-0.8% QoQ
|
+$149.4M |
$1.4B
+2.0% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
70% |
| Total Loans ? |
$1.1B
+8.0% YoY
+1.3% QoQ
|
+$106.5M |
$975.5M
+2.4% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
71% |
| Total Deposits ? |
$1.4B
+3.3% YoY
-1.3% QoQ
|
+$190.1M |
$1.2B
+1.7% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
73% |
| Return on Assets ? |
1.07%
+41.8% YoY
+11.3% QoQ
|
-0.10% |
1.16%
+17.2% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
45% |
| Net Interest Margin ? |
3.60%
+17.0% YoY
+2.8% QoQ
|
-0.06% |
3.66%
+9.1% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
47% |
| Efficiency Ratio ? |
62.58%
-10.9% YoY
-1.9% QoQ
|
-0.06% |
62.63%
-5.3% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
49% |
| Delinquency Rate ? |
0.24%
-16.6% YoY
+5.3% QoQ
|
-0.39% |
0.63%
+18.3% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
79.86%
+4.5% YoY
+2.7% QoQ
|
-3.20% |
83.06%
+0.3% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
19.48%
+0.4% YoY
+5.5% QoQ
|
-1.56% |
21.05%
-0.9% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
47% |
| Nonperforming Asset Ratio ? |
0.17%
-13.7% YoY
+7.6% QoQ
|
-0.33% |
0.50%
+20.3% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
69% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.55%
-3.5% YoY
+42.4% QoQ
|
-0.19% |
0.74%
-1.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
55% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Capital Thin
risk
#192 of 432 · Bottom 44% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
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
73
73th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
71
71th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
70
70th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
69
69th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.50%
67
67th pctile
Delinquency Rate
Current: 0.24% · Tier avg: 0.63%
62
62th pctile
Loan-to-Deposit Ratio
Current: 79.86% · Tier avg: 83.06%
55
55th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.74%
49
49th pctile
Efficiency Ratio
Current: 62.58% · Tier avg: 62.63%
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 19.48% · Tier avg: 21.05%
47
47th pctile
Net Interest Margin
Current: 3.60% · Tier avg: 3.66%
45
45th pctile
Return on Assets
Current: 1.07% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
Top Weaknesses
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
45
45th pctile
Return on Assets
Current: 1.07% · Tier avg: 1.16%
47
47th pctile
Net Interest Margin
Current: 3.60% · Tier avg: 3.66%
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 19.48% · Tier avg: 21.05%
49
49th pctile
Efficiency Ratio
Current: 62.58% · Tier avg: 62.63%
55
55th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.74%
62
62th pctile
Loan-to-Deposit Ratio
Current: 79.86% · Tier avg: 83.06%
67
67th pctile
Delinquency Rate
Current: 0.24% · Tier avg: 0.63%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.50%
70
70th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
71
71th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
73
73th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B