BlastPoint's Banking Scorecard
Central Penn Bank & Trust
Designations: ✓ Community bank
Mifflinburg, PA
14 branches across PA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 37 in PA.
- Deposits +117.8% year over year ($1.1B on the books).
- Delinquency rate 0.81%.
- Return on assets 1.61%.
- Efficiency ratio 50.70% vs a 59.73% peer average.
- Loan-to-deposit ratio 81.60% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Central Penn Bank & Trust shows strong momentum with 4 strengths and 102.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.22% above tier average
- + Net Interest Margin 0.37% above tier average
- + Efficiency Ratio 9.03% below tier average
- + Delinquency Rate 0.06% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+102.2% YoY
+0.6% QoQ
|
-$1.5B |
$2.8B
-0.6% YoY
|
$3.1B
+7.3% YoY
|
$6.3B
+7.7% YoY
|
21% |
| Total Loans ? |
$914.8M
+97.6% YoY
+0.8% QoQ
|
-$1.0B |
$2.0B
-0.3% YoY
|
$2.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
26% |
| Total Deposits ? |
$1.1B
+117.8% YoY
+0.5% QoQ
|
-$1.2B |
$2.3B
-0.5% YoY
|
$2.6B
+7.1% YoY
|
$4.9B
+7.3% YoY
|
25% |
| Return on Assets ? |
1.61%
+35.0% YoY
+0.7% QoQ
|
+0.22% |
1.39%
+17.0% YoY
|
1.63%
+26.6% YoY
|
1.30%
+12.1% YoY
|
74% |
| Net Interest Margin ? |
4.24%
+25.7% YoY
+1.4% QoQ
|
+0.37% |
3.87%
+6.2% YoY
|
3.40%
+8.7% YoY
|
3.95%
+4.9% YoY
|
79% |
| Efficiency Ratio ? |
50.70%
-11.8% YoY
-1.3% QoQ
|
-9.03% |
59.73%
-12.6% YoY
|
66.68%
-6.6% YoY
|
70.05%
+2.5% YoY
|
76% |
| Delinquency Rate ? |
0.81%
+0.1% QoQ
|
-0.06% |
0.87%
+11.7% YoY
|
0.92%
+32.0% YoY
|
0.98%
+16.3% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
81.60%
-9.3% YoY
+0.3% QoQ
|
-3.44% |
85.04%
-0.1% YoY
|
84.75%
+0.9% YoY
|
79.03%
+2.3% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
19.88%
+25.1% YoY
-1.3% QoQ
|
-1.40% |
21.27%
-1.5% YoY
|
18.04%
+1.4% YoY
|
21.98%
-0.6% YoY
|
51% |
| Nonperforming Asset Ratio ? |
0.58%
-1.7% QoQ
|
-0.09% |
0.67%
+11.7% YoY
|
0.67%
+21.3% YoY
|
0.69%
+15.8% YoY
|
38% |
| Tier 1 Capital Ratio ? |
9.01%
-7.9% YoY
+0.7% QoQ
|
-5.83% |
14.84%
-0.4% YoY
|
19.93%
+0.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 0.3% in tier |
| Non-Interest Income / Assets ? |
0.26%
+44.0% YoY
+108.9% QoQ
|
-0.26% |
0.53%
+2.5% YoY
|
1.47%
+21.0% YoY
|
0.66%
+5.2% YoY
|
43% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
19.9%
+4.0pp YoY -0.3pp QoQ |
-1.5pp | 21.4% | 18.7% | 22.2% | 50% |
| Brokered Deposits |
1.0%
-2.2pp YoY 0.0pp QoQ |
-8.5pp | 9.5% | 6.8% | 8.5% | 19% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
12.6%
-3.4pp YoY 0.0pp QoQ |
-1.4pp | 14.0% | 8.6% | 12.5% | 57% |
| CRE |
31.9%
-6.3pp YoY 0.0pp QoQ |
-18.1pp | 50.0% | 37.9% | 41.4% | 13% |
| 1-4 Family |
41.3%
+14.7pp YoY +0.2pp QoQ |
+14.9pp | 26.4% | 47.8% | 31.3% | 83% |
| Consumer |
1.2%
-0.5pp YoY -0.1pp QoQ |
-3.5pp | 4.7% | 3.8% | 5.0% | 49% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 22.3% | 19.7% | n/a |
| Leverage Ratio |
9.0%
-0.8pp YoY +0.1pp QoQ |
-2.3pp | 11.3% | 13.2% | 12.6% | 12% |
| Total Capital Ratio | n/a | n/a | 16.7% | 23.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
162
+87 (+116.0%) YoY -1 (-0.6%) QoQ |
-152 | 313 | 299 | 482 | 28% |
| Assets per Employee ($) |
$7.8M
-6.4% YoY +1.2% QoQ |
-$2.7M | $10.5M | $9.2M | $8.8M | 37% |
| Branch Count |
14
+6 (+75.0%) YoY -1 (-6.7%) QoQ |
-6 | 20 | 20 | 18 | 46% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.8%
+0.8pp YoY 0.0pp QoQ |
0.0pp | 0.8% | 0.9% | 1.0% | 66% |
| Allowance Coverage |
1.35x
-94.7% YoY +1.0% QoQ |
-17.36x | 18.71x | 3.63x | 20.23x | 35% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 31% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.6%
+3.4pp YoY 0.0pp QoQ |
+4.0pp | 12.6% | 10.2% | 11.6% | 81% |
| Cost of Funds (YTD) |
1.6%
-0.2pp YoY 0.0pp QoQ |
-0.3pp | 1.9% | 1.8% | 1.7% | 32% |
| Net Income ($, YTD) |
$10.1M
+179.4% YoY — QoQ |
-$9.1M | $19.2M | $18.2M | $40.4M | 40% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.