BlastPoint's Banking Scorecard
First State Bank
Community
Specialty: Other
OH
FDIC cert 9437
Winchester, OH
1484
banks in Community tier nationally
45 in OH
View Community leaderboard (OH) →
First State Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 29.57% below tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 38% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+11.1% YoY
+2.7% QoQ
|
-$240.3M |
$1.4B
+2.0% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
58% |
| Total Loans ? |
$556.5M
+8.2% YoY
+1.4% QoQ
|
-$419.0M |
$975.5M
+2.4% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
37% |
| Total Deposits ? |
$1.0B
+9.1% YoY
+0.6% QoQ
|
-$124.3M |
$1.2B
+1.7% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
61% |
| Return on Assets ? |
1.04%
+5.0% YoY
-1.3% QoQ
|
-0.12% |
1.16%
+17.2% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
43% |
| Net Interest Margin ? |
3.36%
+7.2% YoY
-0.0% QoQ
|
-0.30% |
3.66%
+9.1% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
34% |
| Efficiency Ratio ? |
60.17%
-3.2% YoY
-1.4% QoQ
|
-2.46% |
62.63%
-5.3% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
56% |
| Delinquency Rate ? |
0.45%
+40.4% YoY
-9.4% QoQ
|
-0.18% |
0.63%
+18.3% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
53.49%
-0.8% YoY
+0.7% QoQ
|
-29.57% |
83.06%
+0.3% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
Top 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.62%
-7.4% YoY
+1.2% QoQ
|
-7.42% |
21.05%
-0.9% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
20% |
| Nonperforming Asset Ratio ? |
0.22%
+35.7% YoY
-10.6% QoQ
|
-0.28% |
0.50%
+20.3% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
63% |
| Tier 1 Capital Ratio ? |
17.44%
+5.3% YoY
+20.0% QoQ
|
+7.20% |
10.24%
-0.6% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
Top 13% in tier |
| Non-Interest Income / Assets ? |
0.58%
-11.5% YoY
+31.5% QoQ
|
-0.16% |
0.74%
-1.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
58% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 5%
in Community
Why this stands out
Current:
53.49%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (1)
Credit Risk Growth
risk
#247 of 642 · Bottom 38% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 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
95
95th pctile
Loan-to-Deposit Ratio
Current: 53.49% · Tier avg: 83.06%
87
87th pctile
Tier 1 Capital Ratio
Current: 17.44% · Tier avg: 10.24%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.50%
61
61th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
58
58th pctile
Non-Interest Income / Assets
Current: 0.58% · Tier avg: 0.74%
58
58th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
56
56th pctile
Efficiency Ratio
Current: 60.17% · Tier avg: 62.63%
50
50th pctile
Delinquency Rate
Current: 0.45% · Tier avg: 0.63%
43
43th pctile
Return on Assets
Current: 1.04% · Tier avg: 1.16%
37
37th pctile
Total Loans
Current: $556.5M · Tier avg: $975.5M
34
34th pctile
Net Interest Margin
Current: 3.36% · Tier avg: 3.66%
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 13.62% · Tier avg: 21.05%
Top Weaknesses
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 13.62% · Tier avg: 21.05%
34
34th pctile
Net Interest Margin
Current: 3.36% · Tier avg: 3.66%
37
37th pctile
Total Loans
Current: $556.5M · Tier avg: $975.5M
43
43th pctile
Return on Assets
Current: 1.04% · Tier avg: 1.16%
50
50th pctile
Delinquency Rate
Current: 0.45% · Tier avg: 0.63%
56
56th pctile
Efficiency Ratio
Current: 60.17% · Tier avg: 62.63%
58
58th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
58
58th pctile
Non-Interest Income / Assets
Current: 0.58% · Tier avg: 0.74%
61
61th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
63
63th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.50%
87
87th pctile
Tier 1 Capital Ratio
Current: 17.44% · Tier avg: 10.24%
95
95th pctile
Loan-to-Deposit Ratio
Current: 53.49% · Tier avg: 83.06%