BlastPoint's Banking Scorecard

The Fidelity Deposit and Discount Bank

$1B-$10B Specialty: Commercial PA FDIC cert 11868

Designations: ✓ Community bank

Dunmore, PA

23 branches across PA

884 banks in the $1B-$10B peer group nationally 37 in PA

The Fidelity Deposit and Discount Bank has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 3.15% below tier average
+ Delinquency Rate 0.77% below tier average

Key Concerns

Areas that may need attention

- ROA 0.24% below tier average
- Net Interest Margin 0.74% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$2.9B +5.5% YoY +4.1% QoQ	+$43.7M	$2.8B -0.1% YoY	$3.1B +7.0% YoY	$6.2B +9.1% YoY	68%
Total Loans ?	$2.0B +11.4% YoY +5.9% QoQ	+$38.2M	$2.0B +0.6% YoY	$2.2B +7.7% YoY	$3.2B +10.8% YoY	68%
Total Deposits ?	$2.6B +4.8% YoY +4.4% QoQ	+$233.8M	$2.3B -0.3% YoY	$2.6B +7.1% YoY	$4.8B +8.2% YoY	71%
Return on Assets ?	1.13% +15.9% YoY +2.3% QoQ	-0.24%	1.37% +19.6% YoY	1.46% +26.2% YoY	1.23% +13.4% YoY	42%
Net Interest Margin ?	3.08% +8.9% YoY +3.5% QoQ	-0.74%	3.82% +6.9% YoY	3.32% +8.7% YoY	3.89% +5.7% YoY	20%
Efficiency Ratio ?	57.92% -5.1% YoY -3.4% QoQ	-3.15%	61.06% -4.6% YoY	69.09% -7.7% YoY	66.95% -4.1% YoY	56%
Delinquency Rate ?	0.12% -63.4% YoY +21.7% QoQ	-0.77%	0.89% +14.1% YoY	0.92% +20.5% YoY	0.95% +18.8% YoY	Top 13.5% in tier
Loan-to-Deposit Ratio ?	77.73% +6.3% YoY +1.4% QoQ	-6.48%	84.20% +0.3% YoY	83.35% -0.2% YoY	76.70% +0.9% YoY	71%
Non-Interest-Bearing Deposit Share ?	22.58% -1.8% YoY -0.8% QoQ	+1.29%	21.29% -2.5% YoY	17.71% -0.1% YoY	22.01% -1.2% YoY	63%
Nonperforming Asset Ratio ?	0.09% -62.1% YoY +5.7% QoQ	-0.59%	0.67% +15.6% YoY	0.67% +14.7% YoY	0.67% +19.3% YoY	Top 12.1% in tier
Tier 1 Capital Ratio ?	13.31% -1.3% YoY -2.5% QoQ	-1.85%	15.16% +2.0% YoY	20.10% +0.3% YoY	17.06% +0.8% YoY	53%
Non-Interest Income / Assets ?	0.19% -8.9% YoY -74.7% QoQ	-0.07%	0.26% +1.6% YoY	0.69% +18.0% YoY	0.32% +4.1% YoY	67%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (2 metrics)

108

Nonperforming Asset Ratio

credit_quality

Value: 0.09%

Peer Median: 0.67%

#108 of 884 Top 12.1% in $1B-$10B

120

Delinquency Rate

credit_quality

Value: 0.12%

Peer Median: 0.89%

#120 of 880 Top 13.5% in $1B-$10B

Top Weaknesses (1 metrics)

707

Net Interest Margin

profitability

Value: 3.08%

Peer Median: 3.82%

#707 of 884 Bottom 20.1% in $1B-$10B