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Elderton State Bank

$100M-$1B Specialty: Commercial PA FDIC cert 12985

Elderton, PA

3 branches across PA

2664 banks in the $100M-$1B peer group nationally 55 in PA
View $100M-$1B leaderboard (PA) →

Elderton State Bank has 3 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 21.49% below tier average
  • + ROA 0.47% above tier average
  • + Delinquency Rate 0.17% below tier average

Key Concerns

Areas that may need attention

  • - Loan-to-Deposit Ratio 28.99% above tier average
  • - Net Interest Margin 0.14% below tier average
Get updates when Elderton State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Total Assets ? $452.1M
+10.9% YoY +2.3% QoQ
+$66.0M $386.1M
+0.5% YoY
$3.1B
+7.0% YoY
$6.2B
+9.1% YoY
67%
Total Loans ? $377.4M
+13.0% YoY +3.8% QoQ
+$121.6M $255.7M
+1.1% YoY
$2.2B
+7.7% YoY
$3.2B
+10.8% YoY
77%
Total Deposits ? $357.3M
+8.6% YoY +3.6% QoQ
+$29.3M $328.0M
+0.1% YoY
$2.6B
+7.1% YoY
$4.8B
+8.2% YoY
64%
Return on Assets ? 1.74%
+15.8% YoY +22.1% QoQ
+0.47% 1.27%
+12.9% YoY
1.46%
+26.2% YoY
1.23%
+13.4% YoY
79%
Net Interest Margin ? 3.79%
+15.2% YoY +5.5% QoQ
-0.14% 3.93%
+6.0% YoY
3.32%
+8.7% YoY
3.89%
+5.7% YoY
46%
Efficiency Ratio ? 43.79%
-15.5% YoY -11.3% QoQ
-21.49% 65.29%
-4.5% YoY
69.09%
-7.7% YoY
66.95%
-4.1% YoY
Top 7.6% in tier
Delinquency Rate ? 0.72%
-59.0% YoY -40.6% QoQ
-0.17% 0.89%
+18.8% YoY
0.92%
+20.5% YoY
0.95%
+18.8% YoY
35%
Loan-to-Deposit Ratio ? 105.63%
+4.0% YoY +0.3% QoQ
+28.99% 76.64%
+0.8% YoY
83.35%
-0.2% YoY
76.70%
+0.9% YoY
Bottom 4.6% in tier
Non-Interest-Bearing Deposit Share ? 13.60%
-2.0% YoY +1.0% QoQ
-8.42% 22.02%
-1.0% YoY
17.71%
-0.1% YoY
22.01%
-1.2% YoY
19%
Nonperforming Asset Ratio ? 0.60%
-58.2% YoY -39.8% QoQ
-0.04% 0.64%
+19.7% YoY
0.67%
+14.7% YoY
0.67%
+19.3% YoY
33%
Tier 1 Capital Ratio ? 12.18%
-3.7% YoY +0.7% QoQ
-3.66% 15.83%
+1.5% YoY
20.10%
+0.3% YoY
17.06%
+0.8% YoY
37%
Non-Interest Income / Assets ? 0.07%
-23.6% YoY -74.0% QoQ
-0.21% 0.28%
+9.3% YoY
0.69%
+18.0% YoY
0.32%
+4.1% YoY
30%

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).
Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

204
Efficiency Ratio
profitability
Value: 43.79%
Peer Median: 65.29%
#204 of 2664 Top 7.6% in $100M-$1B
558
Return on Assets
profitability
Value: 1.74%
Peer Median: 1.27%
#558 of 2664 Top 20.9% in $100M-$1B
603
Total Loans
size
Value: $377.36M
Peer Median: $255.72M
#603 of 2664 Top 22.6% in $100M-$1B

Top Weaknesses (2 metrics)

2543
Loan-to-Deposit Ratio
liquidity
Value: 105.63%
Peer Median: 76.64%
#2543 of 2664 Bottom 4.6% in $100M-$1B
2154
Non-Interest-Bearing Deposit Share
funding
Value: 13.60%
Peer Median: 22.02%
#2154 of 2664 Bottom 19.2% in $100M-$1B
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