BlastPoint's Banking Scorecard
Elderton State Bank
Elderton, PA
3 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 55 in PA.
- Deposits +7.7% year over year ($359.6M on the books).
- Delinquency rate 0.77%.
- Return on assets 1.66%.
- Efficiency ratio 44.27% vs a 64.48% peer average.
- Loan-to-deposit ratio 108.08% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Elderton State Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 20.21% below tier average
- + ROA 0.34% above tier average
- + Delinquency Rate 0.15% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 30.12% above tier average
- - Net Interest Margin 0.10% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$465.2M
+11.3% YoY
+2.9% QoQ
|
+$78.6M |
$386.6M
+1.2% YoY
|
$3.1B
+7.3% YoY
|
$6.3B
+7.7% YoY
|
69% |
| Total Loans ? |
$388.7M
+12.3% YoY
+3.0% QoQ
|
+$130.3M |
$258.3M
+1.7% YoY
|
$2.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
78% |
| Total Deposits ? |
$359.6M
+7.7% YoY
+0.7% QoQ
|
+$32.9M |
$326.7M
+0.7% YoY
|
$2.6B
+7.1% YoY
|
$4.9B
+7.3% YoY
|
64% |
| Return on Assets ? |
1.66%
+22.9% YoY
-4.4% QoQ
|
+0.34% |
1.32%
+10.8% YoY
|
1.63%
+26.6% YoY
|
1.30%
+12.1% YoY
|
74% |
| Net Interest Margin ? |
3.89%
+13.6% YoY
+2.5% QoQ
|
-0.10% |
3.99%
+5.0% YoY
|
3.40%
+8.7% YoY
|
3.95%
+4.9% YoY
|
47% |
| Efficiency Ratio ? |
44.27%
-15.1% YoY
+1.1% QoQ
|
-20.21% |
64.48%
-3.2% YoY
|
66.68%
-6.6% YoY
|
70.05%
+2.5% YoY
|
Top 8.0% in tier |
| Delinquency Rate ? |
0.77%
-39.0% YoY
+6.8% QoQ
|
-0.15% |
0.92%
+15.7% YoY
|
0.92%
+32.0% YoY
|
0.98%
+16.3% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
108.08%
+4.3% YoY
+2.3% QoQ
|
+30.12% |
77.95%
+1.0% YoY
|
84.75%
+0.9% YoY
|
79.03%
+2.3% YoY
|
Bottom 4.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.15%
+0.3% YoY
+4.0% QoQ
|
-7.88% |
22.03%
-0.6% YoY
|
18.04%
+1.4% YoY
|
21.98%
-0.6% YoY
|
21% |
| Nonperforming Asset Ratio ? |
0.64%
-38.4% YoY
+6.9% QoQ
|
-0.03% |
0.67%
+16.4% YoY
|
0.67%
+21.3% YoY
|
0.69%
+15.8% YoY
|
33% |
| Tier 1 Capital Ratio ? |
12.09%
-1.4% YoY
-0.7% QoQ
|
-3.82% |
15.91%
+1.4% YoY
|
19.93%
+0.1% YoY
|
17.09%
+0.8% YoY
|
37% |
| Non-Interest Income / Assets ? |
0.12%
-14.1% YoY
+82.7% QoQ
|
-0.44% |
0.57%
+7.6% YoY
|
1.47%
+21.0% YoY
|
0.66%
+5.2% YoY
|
26% |
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 |
14.1%
0.0pp YoY +0.5pp QoQ |
-8.0pp | 22.1% | 18.7% | 22.2% | 20% |
| Brokered Deposits |
0.6%
-1.8pp YoY -0.8pp QoQ |
-7.3pp | 7.9% | 6.8% | 8.5% | 12% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
24.7%
+1.9pp YoY +2.3pp QoQ |
+13.2pp | 11.6% | 8.6% | 12.5% | 93% |
| CRE |
40.3%
+0.2pp YoY -1.2pp QoQ |
+0.8pp | 39.5% | 37.9% | 41.4% | 54% |
| 1-4 Family |
19.2%
-0.8pp YoY -0.6pp QoQ |
-13.4pp | 32.6% | 47.8% | 31.3% | 28% |
| Consumer |
1.0%
-0.2pp YoY 0.0pp QoQ |
-3.1pp | 4.1% | 3.8% | 5.0% | 28% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.3% | 19.7% | n/a |
| Leverage Ratio |
12.1%
-0.2pp YoY -0.1pp QoQ |
-0.1pp | 12.2% | 13.2% | 12.6% | 66% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
55
-1 (-1.8%) YoY 0 QoQ |
-4 | 58 | 299 | 482 | 58% |
| Assets per Employee ($) |
$8.5M
+13.4% YoY +2.9% QoQ |
+$939K | $7.5M | $9.2M | $8.8M | 74% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 20 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-0.2pp YoY +0.1pp QoQ |
-0.2pp | 0.3% | 0.2% | 0.4% | 57% |
| Nonaccrual |
0.6%
-0.3pp YoY 0.0pp QoQ |
-0.3pp | 0.9% | 0.9% | 1.0% | 59% |
| Allowance Coverage |
1.69x
+49.4% YoY -5.0% QoQ |
-22.47x | 24.15x | 3.63x | 20.23x | 43% |
| Net Charge-off Rate (YTD) |
0.0%
-0.2pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 52% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.2%
+2.9pp YoY -0.6pp QoQ |
+2.0pp | 12.2% | 10.2% | 11.6% | 63% |
| Cost of Funds (YTD) |
2.3%
-0.2pp YoY 0.0pp QoQ |
+0.6pp | 1.7% | 1.8% | 1.7% | 84% |
| Net Income ($, YTD) |
$3.8M
+37.4% YoY — QoQ |
+$1.2M | $2.6M | $18.2M | $40.4M | 78% |
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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.