BlastPoint's Banking Scorecard
Osgood Bank
Community
Specialty: Commercial
OH
FDIC cert 9137
Osgood, OH
1484
banks in Community tier nationally
45 in OH
View Community leaderboard (OH) →
Osgood 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
- - Non-Interest-Bearing Deposit Share 13.43% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$508.5M
+3.4% YoY
+1.8% QoQ
|
-$882.9M |
$1.4B
+2.0% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| Total Loans ? |
$292.2M
-2.7% YoY
-3.0% QoQ
|
-$683.3M |
$975.5M
+2.4% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
Bottom 5% in tier |
| Total Deposits ? |
$448.3M
+3.9% YoY
+2.0% QoQ
|
-$716.3M |
$1.2B
+1.7% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 5% in tier |
| Return on Assets ? |
1.15%
+7.4% YoY
-6.4% QoQ
|
-0.02% |
1.16%
+17.2% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
52% |
| Net Interest Margin ? |
3.71%
+8.0% YoY
+1.0% QoQ
|
+0.04% |
3.66%
+9.1% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
54% |
| Efficiency Ratio ? |
60.31%
-10.1% YoY
-0.2% QoQ
|
-2.32% |
62.63%
-5.3% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
55% |
| Delinquency Rate ? |
0.75%
+14.4% QoQ
|
+0.12% |
0.63%
+18.3% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
65.18%
-6.4% YoY
-4.9% QoQ
|
-17.89% |
83.06%
+0.3% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
Top 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
7.61%
-5.1% YoY
+2.6% QoQ
|
-13.43% |
21.05%
-0.9% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 6% in tier |
| Nonperforming Asset Ratio ? |
0.43%
+9.1% QoQ
|
-0.07% |
0.50%
+20.3% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
43% |
| Tier 1 Capital Ratio ? |
12.32%
+12.2% YoY
+2.0% QoQ
|
+2.07% |
10.24%
-0.6% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
50% |
| Non-Interest Income / Assets ? |
0.38%
-21.6% YoY
+27.3% QoQ
|
-0.36% |
0.74%
-1.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
33% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 6%
in Community
Why this stands out
Current:
7.61%
(Tier avg: 21.05%, 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
86
86th pctile
Loan-to-Deposit Ratio
Current: 65.18% · Tier avg: 83.06%
55
55th pctile
Efficiency Ratio
Current: 60.31% · Tier avg: 62.63%
54
54th pctile
Net Interest Margin
Current: 3.71% · Tier avg: 3.66%
52
52th pctile
Return on Assets
Current: 1.15% · Tier avg: 1.16%
50
50th pctile
Tier 1 Capital Ratio
Current: 12.32% · Tier avg: 10.24%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.43% · Tier avg: 0.50%
34
34th pctile
Delinquency Rate
Current: 0.75% · Tier avg: 0.63%
33
33th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.74%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 7.61% · Tier avg: 21.05%
5
5th pctile
Total Deposits
Current: $448.3M · Tier avg: $1.2B
5
5th pctile
Total Loans
Current: $292.2M · Tier avg: $975.5M
1
1th pctile
Total Assets
Current: $508.5M · Tier avg: $1.4B
Top Weaknesses
1
1th pctile
Total Assets
Current: $508.5M · Tier avg: $1.4B
5
5th pctile
Total Loans
Current: $292.2M · Tier avg: $975.5M
5
5th pctile
Total Deposits
Current: $448.3M · Tier avg: $1.2B
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 7.61% · Tier avg: 21.05%
33
33th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.74%
34
34th pctile
Delinquency Rate
Current: 0.75% · Tier avg: 0.63%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.43% · Tier avg: 0.50%
50
50th pctile
Tier 1 Capital Ratio
Current: 12.32% · Tier avg: 10.24%
52
52th pctile
Return on Assets
Current: 1.15% · Tier avg: 1.16%
54
54th pctile
Net Interest Margin
Current: 3.71% · Tier avg: 3.66%
55
55th pctile
Efficiency Ratio
Current: 60.31% · Tier avg: 62.63%
86
86th pctile
Loan-to-Deposit Ratio
Current: 65.18% · Tier avg: 83.06%