BlastPoint's Banking Scorecard
The Mt. Victory State Bank
Micro
Specialty: Other
OH
FDIC cert 9438
Designations: ✓ Community bank
Mount Victory, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
The Mt. Victory State Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.22% above 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 ? |
$21.9M
+2.3% YoY
+1.7% QoQ
|
-$195.6M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| Total Loans ? |
$13.6M
+11.3% YoY
+2.8% QoQ
|
-$125.6M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
Bottom 4% in tier |
| Total Deposits ? |
$19.6M
+1.1% YoY
+2.0% QoQ
|
-$164.0M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 2% in tier |
| Return on Assets ? |
0.90%
+41.9% YoY
-22.1% QoQ
|
-0.19% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
40% |
| Net Interest Margin ? |
5.08%
+13.8% YoY
+1.0% QoQ
|
+1.22% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Top 8% in tier |
| Efficiency Ratio ? |
68.71%
-3.6% YoY
+10.8% QoQ
|
+0.98% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
43% |
| Delinquency Rate ? |
0.86%
+600.5% YoY
|
+0.22% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
69.20%
+10.1% YoY
+0.8% QoQ
|
-5.33% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
33.60%
+1.9% YoY
+5.2% QoQ
|
+11.21% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Top 14% in tier |
| Nonperforming Asset Ratio ? |
0.53%
+662.8% YoY
|
+0.08% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
35% |
| 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 ? |
0.19%
-17.9% YoY
+29.1% QoQ
|
-0.37% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
22% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 8%
in Micro
Why this stands out
Current:
5.08%
(Tier avg: 3.85%, National avg: 3.75%)
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
92
92th pctile
Net Interest Margin
Current: 5.08% · Tier avg: 3.85%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 33.60% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
43
43th pctile
Efficiency Ratio
Current: 68.71% · Tier avg: 67.73%
40
40th pctile
Return on Assets
Current: 0.90% · Tier avg: 1.08%
37
37th pctile
Loan-to-Deposit Ratio
Current: 69.20% · Tier avg: 74.53%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.53% · Tier avg: 0.45%
32
32th pctile
Delinquency Rate
Current: 0.86% · Tier avg: 0.64%
22
22th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
4
4th pctile
Total Loans
Current: $13.6M · Tier avg: $139.2M
2
2th pctile
Total Deposits
Current: $19.6M · Tier avg: $183.7M
1
1th pctile
Total Assets
Current: $21.9M · Tier avg: $217.5M
Top Weaknesses
1
1th pctile
Total Assets
Current: $21.9M · Tier avg: $217.5M
2
2th pctile
Total Deposits
Current: $19.6M · Tier avg: $183.7M
4
4th pctile
Total Loans
Current: $13.6M · Tier avg: $139.2M
22
22th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
32
32th pctile
Delinquency Rate
Current: 0.86% · Tier avg: 0.64%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.53% · Tier avg: 0.45%
37
37th pctile
Loan-to-Deposit Ratio
Current: 69.20% · Tier avg: 74.53%
40
40th pctile
Return on Assets
Current: 0.90% · Tier avg: 1.08%
43
43th pctile
Efficiency Ratio
Current: 68.71% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 33.60% · Tier avg: 22.39%
92
92th pctile
Net Interest Margin
Current: 5.08% · Tier avg: 3.85%