BlastPoint's Banking Scorecard
The Fidelity Deposit and Discount Bank
Designations: ✓ Community bank
Dunmore, PA
23 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 +5.1% year over year ($2.6B on the books).
- Delinquency rate 0.08%.
- Return on assets 1.13%.
- Efficiency ratio 58.23% vs a 59.73% peer average.
- Loan-to-deposit ratio 80.80% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Fidelity Deposit and Discount Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Nonperforming Asset Ratio 0.62% below tier average
- + Efficiency Ratio 1.50% below tier average
- + Delinquency Rate 0.78% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.26% below tier average
- - Net Interest Margin 0.76% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.0B
+10.2% YoY
+3.9% QoQ
|
+$178.1M |
$2.8B
-0.6% YoY
|
$3.1B
+7.3% YoY
|
$6.3B
+7.7% YoY
|
70% |
| Total Loans ? |
$2.1B
+13.8% YoY
+3.2% QoQ
|
+$104.6M |
$2.0B
-0.3% YoY
|
$2.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
69% |
| Total Deposits ? |
$2.6B
+5.1% YoY
-0.7% QoQ
|
+$240.4M |
$2.3B
-0.5% YoY
|
$2.6B
+7.1% YoY
|
$4.9B
+7.3% YoY
|
71% |
| Return on Assets ? |
1.13%
+9.5% YoY
+0.4% QoQ
|
-0.26% |
1.39%
+17.0% YoY
|
1.63%
+26.6% YoY
|
1.30%
+12.1% YoY
|
39% |
| Net Interest Margin ? |
3.11%
+7.6% YoY
+1.1% QoQ
|
-0.76% |
3.87%
+6.2% YoY
|
3.40%
+8.7% YoY
|
3.95%
+4.9% YoY
|
19% |
| Efficiency Ratio ? |
58.23%
-4.2% YoY
+0.5% QoQ
|
-1.50% |
59.73%
-12.6% YoY
|
66.68%
-6.6% YoY
|
70.05%
+2.5% YoY
|
53% |
| Delinquency Rate ? |
0.08%
-50.2% YoY
-30.8% QoQ
|
-0.78% |
0.87%
+11.7% YoY
|
0.92%
+32.0% YoY
|
0.98%
+16.3% YoY
|
Top 10.4% in tier |
| Loan-to-Deposit Ratio ? |
80.80%
+8.3% YoY
+4.0% QoQ
|
-4.24% |
85.04%
-0.1% YoY
|
84.75%
+0.9% YoY
|
79.03%
+2.3% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
23.11%
-0.2% YoY
+2.4% QoQ
|
+1.84% |
21.27%
-1.5% YoY
|
18.04%
+1.4% YoY
|
21.98%
-0.6% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.06%
-54.7% YoY
-31.2% QoQ
|
-0.62% |
0.67%
+11.7% YoY
|
0.67%
+21.3% YoY
|
0.69%
+15.8% YoY
|
Top 9.9% in tier |
| Tier 1 Capital Ratio ? |
13.16%
-2.9% YoY
-1.2% QoQ
|
-1.69% |
14.84%
-0.4% YoY
|
19.93%
+0.1% YoY
|
17.09%
+0.8% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.35%
-9.6% YoY
+88.6% QoQ
|
-0.18% |
0.53%
+2.5% YoY
|
1.47%
+21.0% YoY
|
0.66%
+5.2% YoY
|
62% |
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 |
23.1%
0.0pp YoY +0.5pp QoQ |
+1.7pp | 21.4% | 18.7% | 22.2% | 65% |
| Brokered Deposits | n/a | n/a | 9.5% | 6.8% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.9%
+2.1pp YoY +0.3pp QoQ |
-2.1pp | 14.0% | 8.6% | 12.5% | 54% |
| CRE |
44.7%
+2.8pp YoY +1.5pp QoQ |
-5.3pp | 50.0% | 37.9% | 41.4% | 35% |
| 1-4 Family |
34.2%
-3.4pp YoY -1.0pp QoQ |
+7.7pp | 26.4% | 47.8% | 31.3% | 73% |
| Consumer |
3.2%
-2.1pp YoY -0.5pp QoQ |
-1.5pp | 4.7% | 3.8% | 5.0% | 74% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.2%
-0.4pp YoY -0.2pp QoQ |
-2.4pp | 15.6% | 22.3% | 19.7% | 44% |
| Leverage Ratio |
9.5%
+0.4pp YoY +0.1pp QoQ |
-1.8pp | 11.3% | 13.2% | 12.6% | 22% |
| Total Capital Ratio |
14.3%
-0.4pp YoY -0.2pp QoQ |
-2.4pp | 16.7% | 23.3% | 20.8% | 44% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
320
+22 (+7.4%) YoY +5 (+1.6%) QoQ |
+6 | 313 | 299 | 482 | 69% |
| Assets per Employee ($) |
$9.3M
+2.6% YoY +2.3% QoQ |
-$1.2M | $10.5M | $9.2M | $8.8M | 58% |
| Branch Count |
23
0 YoY 0 QoQ |
+3 | 20 | 20 | 18 | 72% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.1%
-0.1pp YoY 0.0pp QoQ |
-0.7pp | 0.8% | 0.9% | 1.0% | 9% |
| Allowance Coverage |
12.24x
+88.3% YoY +42.4% QoQ |
-6.47x | 18.71x | 3.63x | 20.23x | 91% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 34% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.2%
+0.1pp YoY +0.1pp QoQ |
+0.6pp | 12.6% | 10.2% | 11.6% | 59% |
| Cost of Funds (YTD) |
1.7%
-0.2pp YoY 0.0pp QoQ |
-0.2pp | 1.9% | 1.8% | 1.7% | 34% |
| Net Income ($, YTD) |
$16.2M
+17.5% YoY — QoQ |
-$3.0M | $19.2M | $18.2M | $40.4M | 62% |
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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.