BlastPoint's Banking Scorecard
The Ottoville Bank Company
Micro
Specialty: Other
OH
FDIC cert 8403
Designations: ✓ Community bank
Ottoville, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
The Ottoville Bank Company demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% 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 ? |
$92.3M
-3.5% YoY
-2.3% QoQ
|
-$125.2M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
20% |
| Total Loans ? |
$40.4M
-4.4% YoY
+3.9% QoQ
|
-$98.8M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
15% |
| Total Deposits ? |
$71.4M
-5.7% YoY
-3.6% QoQ
|
-$112.3M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
18% |
| Return on Assets ? |
1.38%
+1.4% YoY
-5.1% QoQ
|
+0.29% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
69% |
| Net Interest Margin ? |
3.66%
+0.3% YoY
+1.3% QoQ
|
-0.19% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
42% |
| Efficiency Ratio ? |
51.62%
-0.8% YoY
+5.1% QoQ
|
-16.11% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Top 13% 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 ? |
56.58%
+1.4% YoY
+7.8% QoQ
|
-17.95% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
20.10%
+1.9% YoY
-6.1% QoQ
|
-2.30% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
43% |
| 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 ? |
0.28%
+19.1% YoY
+37.4% QoQ
|
-0.29% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
36% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
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
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%
87
87th pctile
Efficiency Ratio
Current: 51.62% · Tier avg: 67.73%
80
80th pctile
Loan-to-Deposit Ratio
Current: 56.58% · Tier avg: 74.53%
69
69th pctile
Return on Assets
Current: 1.38% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 20.10% · Tier avg: 22.39%
42
42th pctile
Net Interest Margin
Current: 3.66% · Tier avg: 3.85%
36
36th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
20
20th pctile
Total Assets
Current: $92.3M · Tier avg: $217.5M
18
18th pctile
Total Deposits
Current: $71.4M · Tier avg: $183.7M
15
15th pctile
Total Loans
Current: $40.4M · Tier avg: $139.2M
Top Weaknesses
15
15th pctile
Total Loans
Current: $40.4M · Tier avg: $139.2M
18
18th pctile
Total Deposits
Current: $71.4M · Tier avg: $183.7M
20
20th pctile
Total Assets
Current: $92.3M · Tier avg: $217.5M
36
36th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
42
42th pctile
Net Interest Margin
Current: 3.66% · Tier avg: 3.85%
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 20.10% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
69
69th pctile
Return on Assets
Current: 1.38% · Tier avg: 1.08%
80
80th pctile
Loan-to-Deposit Ratio
Current: 56.58% · Tier avg: 74.53%
87
87th pctile
Efficiency Ratio
Current: 51.62% · Tier avg: 67.73%
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%