Marblehead Bank, The
Marblehead, OH · Cert 9860 · Peer group: banks under $1B in assets (n=553-605)
FDIC · 3 branches
Q4 2024
$54.4MAssets
$19.5MLoans
$53.3MDeposits
$45KEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 79 of 553).
- Widest gap: equity / assets trails 100% of banks under $1B in assets (rank 604 of 604).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
-0.57%
Rank 571 of 605
Net Interest Margin
2.25%
Rank 542 of 604
Efficiency Ratio
130.26%
Rank 581 of 603
Equity / Assets
0.08%
Rank 604 of 604
Non-interest income vs. expense
Unfavorable gap of $1.8M · efficiency ratio beats 4% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.57% | 0.44% | 0.82% | 1.25% | Beats 6% | 571 / 605 | |
| Return on Equity | -691% | 4.73% | 8.49% | 12.27% | Beats 0% | 604 / 604 | |
| Net Interest Margin | 2.25% | 2.67% | 3.19% | 3.72% | Beats 10% | 542 / 604 | |
| Efficiency Ratio | 130.26% | 60.42% | 71.67% | 83.77% | Beats 4% | 581 / 603 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.07% | 0.31% | 0.86% | Beats 100% | 79 / 553 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.03% | 0.13% | Beats 100% | 100 / 553 | |
| Capital |
| Tier 1 Capital Ratio | 20.83% | 11.06% | 13.82% | 18.29% | Beats 80% | 119 / 604 | |
| Total Risk-Based Capital Ratio | 21.81% | 11.68% | 14.50% | 19.03% | Beats 81% | 116 / 604 | |
| Equity / Assets | 0.08% | 8.17% | 9.66% | 12.64% | Beats 0% | 604 / 604 | |
| Liquidity & Funding |
| Loans / Deposits | 36.64% | 63.55% | 78.98% | 91.89% | 5th pctl | 536 / 566 | |
| Loans / Assets | 35.85% | 56.22% | 68.51% | 77.12% | 5th pctl | 526 / 553 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |