BlastPoint's Banking Scorecard
The St. Henry Bank
Community
Specialty: Agricultural
OH
FDIC cert 9871
St. Henry, OH
1484
banks in Community tier nationally
45 in OH
View Community leaderboard (OH) →
The St. Henry Bank shows strong momentum with 3 strengths and 14.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 37% in Community
- + Efficiency Ratio 24.96% below tier
- + Loan-to-Deposit Ratio 31.62% 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 ? |
$543.7M
+14.6% YoY
+8.9% QoQ
|
-$847.8M |
$1.4B
+2.0% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 6% in tier |
| Total Loans ? |
$252.7M
+4.9% YoY
+2.9% QoQ
|
-$722.7M |
$975.5M
+2.4% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
Bottom 2% in tier |
| Total Deposits ? |
$491.3M
+14.4% YoY
+8.8% QoQ
|
-$673.3M |
$1.2B
+1.7% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 12% in tier |
| Return on Assets ? |
2.25%
+4.7% YoY
-2.8% QoQ
|
+1.08% |
1.16%
+17.2% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
Top 6% in tier |
| Net Interest Margin ? |
3.65%
+4.4% YoY
+0.3% QoQ
|
-0.02% |
3.66%
+9.1% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
50% |
| Efficiency Ratio ? |
37.67%
-4.2% YoY
+8.0% QoQ
|
-24.96% |
62.63%
-5.3% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Top 3% in tier |
| Delinquency Rate ? |
0.16%
-83.3% YoY
-84.9% QoQ
|
-0.47% |
0.63%
+18.3% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
51.45%
-8.4% YoY
-5.4% QoQ
|
-31.62% |
83.06%
+0.3% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
Top 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.81%
-29.1% YoY
+1.6% QoQ
|
+1.77% |
21.05%
-0.9% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
62% |
| Nonperforming Asset Ratio ? |
0.08%
-84.7% YoY
-85.8% QoQ
|
-0.42% |
0.50%
+20.3% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
82% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.27%
+8.7% YoY
+51.2% QoQ
|
-0.47% |
0.74%
-1.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
18% |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#137 of 371 · Top 37% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.25%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
Efficiency Ratio
metric
Top 3%
in Community
Why this stands out
Current:
37.67%
(Tier avg: 62.63%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Top 5%
in Community
Why this stands out
Current:
51.45%
(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
97
97th pctile
Efficiency Ratio
Current: 37.67% · Tier avg: 62.63%
95
95th pctile
Loan-to-Deposit Ratio
Current: 51.45% · Tier avg: 83.06%
94
94th pctile
Return on Assets
Current: 2.25% · Tier avg: 1.16%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.50%
75
75th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.63%
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 22.81% · Tier avg: 21.05%
50
50th pctile
Net Interest Margin
Current: 3.65% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
18
18th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.74%
12
12th pctile
Total Deposits
Current: $491.3M · Tier avg: $1.2B
6
6th pctile
Total Assets
Current: $543.7M · Tier avg: $1.4B
2
2th pctile
Total Loans
Current: $252.7M · Tier avg: $975.5M
Top Weaknesses
2
2th pctile
Total Loans
Current: $252.7M · Tier avg: $975.5M
6
6th pctile
Total Assets
Current: $543.7M · Tier avg: $1.4B
12
12th pctile
Total Deposits
Current: $491.3M · Tier avg: $1.2B
18
18th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
50
50th pctile
Net Interest Margin
Current: 3.65% · Tier avg: 3.66%
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 22.81% · Tier avg: 21.05%
75
75th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.63%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.50%
94
94th pctile
Return on Assets
Current: 2.25% · Tier avg: 1.16%
95
95th pctile
Loan-to-Deposit Ratio
Current: 51.45% · Tier avg: 83.06%
97
97th pctile
Efficiency Ratio
Current: 37.67% · Tier avg: 62.63%