BlastPoint's Banking Scorecard
Minster Bank
Community
Specialty: Commercial
OH
FDIC cert 763
Minster, OH
1484
banks in Community tier nationally
45 in OH
View Community leaderboard (OH) →
Minster Bank shows strong momentum with 1 strength and 5.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 21.29% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$802.2M
+5.9% YoY
-0.5% QoQ
|
-$589.3M |
$1.4B
+2.0% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
35% |
| Total Loans ? |
$436.7M
+16.9% YoY
+8.4% QoQ
|
-$538.8M |
$975.5M
+2.4% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
20% |
| Total Deposits ? |
$706.9M
+4.2% YoY
-1.2% QoQ
|
-$457.7M |
$1.2B
+1.7% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
39% |
| Return on Assets ? |
1.54%
+17.4% YoY
+1.2% QoQ
|
+0.37% |
1.16%
+17.2% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
75% |
| Net Interest Margin ? |
3.61%
+10.4% YoY
+1.0% QoQ
|
-0.06% |
3.66%
+9.1% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
47% |
| Efficiency Ratio ? |
53.29%
-3.0% YoY
-0.1% QoQ
|
-9.34% |
62.63%
-5.3% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
77% |
| Delinquency Rate ? |
0.17%
-31.6% YoY
+63.8% QoQ
|
-0.46% |
0.63%
+18.3% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
61.77%
+12.3% YoY
+9.8% QoQ
|
-21.29% |
83.06%
+0.3% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
Top 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.38%
-6.9% YoY
-1.8% QoQ
|
+2.34% |
21.05%
-0.9% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
64% |
| Nonperforming Asset Ratio ? |
0.09%
-24.5% YoY
+78.4% QoQ
|
-0.41% |
0.50%
+20.3% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
80% |
| Tier 1 Capital Ratio ? |
15.79%
-6.9% YoY
-8.7% QoQ
|
+5.54% |
10.24%
-0.6% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.74%
+3.7% YoY
+38.0% QoQ
|
0 |
0.74%
-1.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
73% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 10%
in Community
Why this stands out
Current:
61.77%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (0)
No concerns identified
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
90
90th pctile
Loan-to-Deposit Ratio
Current: 61.77% · Tier avg: 83.06%
82
82th pctile
Tier 1 Capital Ratio
Current: 15.79% · Tier avg: 10.24%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
77
77th pctile
Efficiency Ratio
Current: 53.29% · Tier avg: 62.63%
75
75th pctile
Return on Assets
Current: 1.54% · Tier avg: 1.16%
74
74th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.63%
73
73th pctile
Non-Interest Income / Assets
Current: 0.74% · Tier avg: 0.74%
64
64th pctile
Non-Interest-Bearing Deposit Share
Current: 23.38% · Tier avg: 21.05%
47
47th pctile
Net Interest Margin
Current: 3.61% · Tier avg: 3.66%
39
39th pctile
Total Deposits
Current: $706.9M · Tier avg: $1.2B
35
35th pctile
Total Assets
Current: $802.2M · Tier avg: $1.4B
20
20th pctile
Total Loans
Current: $436.7M · Tier avg: $975.5M
Top Weaknesses
20
20th pctile
Total Loans
Current: $436.7M · Tier avg: $975.5M
35
35th pctile
Total Assets
Current: $802.2M · Tier avg: $1.4B
39
39th pctile
Total Deposits
Current: $706.9M · Tier avg: $1.2B
47
47th pctile
Net Interest Margin
Current: 3.61% · Tier avg: 3.66%
64
64th pctile
Non-Interest-Bearing Deposit Share
Current: 23.38% · Tier avg: 21.05%
73
73th pctile
Non-Interest Income / Assets
Current: 0.74% · Tier avg: 0.74%
74
74th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.63%
75
75th pctile
Return on Assets
Current: 1.54% · Tier avg: 1.16%
77
77th pctile
Efficiency Ratio
Current: 53.29% · Tier avg: 62.63%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
82
82th pctile
Tier 1 Capital Ratio
Current: 15.79% · Tier avg: 10.24%
90
90th pctile
Loan-to-Deposit Ratio
Current: 61.77% · Tier avg: 83.06%