BlastPoint's Banking Scorecard
Fleetwood Bank
Fleetwood, PA
7 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 +4.8% year over year ($381.1M on the books).
- Delinquency rate 0.57%.
- Return on assets 0.80%.
- Efficiency ratio 72.29% vs a 64.48% peer average.
- Loan-to-deposit ratio 63.66% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Fleetwood Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.35% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.52% below tier average
- - Net Interest Margin 0.34% below tier average
- - Efficiency Ratio 7.81% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$415.6M
+5.3% YoY
+4.2% QoQ
|
+$29.0M |
$386.6M
+1.2% YoY
|
$3.1B
+7.3% YoY
|
$6.3B
+7.7% YoY
|
63% |
| Total Loans ? |
$242.6M
+6.5% YoY
+3.1% QoQ
|
-$15.7M |
$258.3M
+1.7% YoY
|
$2.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
57% |
| Total Deposits ? |
$381.1M
+4.8% YoY
+4.4% QoQ
|
+$54.4M |
$326.7M
+0.7% YoY
|
$2.6B
+7.1% YoY
|
$4.9B
+7.3% YoY
|
67% |
| Return on Assets ? |
0.80%
+54.6% YoY
+19.7% QoQ
|
-0.52% |
1.32%
+10.8% YoY
|
1.63%
+26.6% YoY
|
1.30%
+12.1% YoY
|
23% |
| Net Interest Margin ? |
3.64%
+15.6% YoY
+2.8% QoQ
|
-0.34% |
3.99%
+5.0% YoY
|
3.40%
+8.7% YoY
|
3.95%
+4.9% YoY
|
34% |
| Efficiency Ratio ? |
72.29%
-11.5% YoY
-4.7% QoQ
|
+7.81% |
64.48%
-3.2% YoY
|
66.68%
-6.6% YoY
|
70.05%
+2.5% YoY
|
25% |
| Delinquency Rate ? |
0.57%
-9.1% YoY
-4.6% QoQ
|
-0.35% |
0.92%
+15.7% YoY
|
0.92%
+32.0% YoY
|
0.98%
+16.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
63.66%
+1.6% YoY
-1.3% QoQ
|
-14.29% |
77.95%
+1.0% YoY
|
84.75%
+0.9% YoY
|
79.03%
+2.3% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
20.60%
-2.2% YoY
-4.6% QoQ
|
-1.43% |
22.03%
-0.6% YoY
|
18.04%
+1.4% YoY
|
21.98%
-0.6% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.33%
-8.0% YoY
-5.6% QoQ
|
-0.34% |
0.67%
+16.4% YoY
|
0.67%
+21.3% YoY
|
0.69%
+15.8% YoY
|
49% |
| Tier 1 Capital Ratio ? |
12.90%
-3.1% YoY
-1.2% QoQ
|
-3.01% |
15.91%
+1.4% YoY
|
19.93%
+0.1% YoY
|
17.09%
+0.8% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.19%
-7.7% YoY
+96.7% QoQ
|
-0.38% |
0.57%
+7.6% YoY
|
1.47%
+21.0% YoY
|
0.66%
+5.2% YoY
|
46% |
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 |
20.6%
-0.5pp YoY -1.0pp QoQ |
-1.6pp | 22.1% | 18.7% | 22.2% | 48% |
| Brokered Deposits | n/a | n/a | 7.9% | 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 |
10.0%
+2.8pp YoY +0.5pp QoQ |
-1.6pp | 11.6% | 8.6% | 12.5% | 53% |
| CRE |
26.3%
+2.8pp YoY +1.8pp QoQ |
-13.3pp | 39.5% | 37.9% | 41.4% | 28% |
| 1-4 Family |
58.7%
-4.3pp YoY -2.0pp QoQ |
+26.1pp | 32.6% | 47.8% | 31.3% | 89% |
| Consumer |
0.1%
0.0pp YoY 0.0pp QoQ |
-4.0pp | 4.1% | 3.8% | 5.0% | 4% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.9%
-0.4pp YoY -0.2pp QoQ |
-5.9pp | 18.8% | 22.3% | 19.7% | 26% |
| Leverage Ratio |
7.8%
+0.1pp YoY 0.0pp QoQ |
-4.4pp | 12.2% | 13.2% | 12.6% | 1% |
| Total Capital Ratio |
14.1%
-0.5pp YoY -0.2pp QoQ |
-5.8pp | 19.9% | 23.3% | 20.8% | 27% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
57
-3 (-5.0%) YoY 0 QoQ |
-2 | 58 | 299 | 482 | 60% |
| Assets per Employee ($) |
$7.3M
+10.8% YoY +4.2% QoQ |
-$227K | $7.5M | $9.2M | $8.8M | 57% |
| Branch Count |
7
0 YoY 0 QoQ |
+2 | 4 | 20 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.6%
-0.1pp YoY 0.0pp QoQ |
-0.4pp | 0.9% | 0.9% | 1.0% | 56% |
| Allowance Coverage |
2.16x
+5.4% YoY +2.2% QoQ |
-21.99x | 24.15x | 3.63x | 20.23x | 50% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 38% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.5%
+3.3pp YoY +1.9pp QoQ |
-0.7pp | 12.2% | 10.2% | 11.6% | 46% |
| Cost of Funds (YTD) |
0.8%
-0.1pp YoY 0.0pp QoQ |
-0.9pp | 1.7% | 1.8% | 1.7% | 5% |
| Net Income ($, YTD) |
$1.6M
+60.3% YoY — QoQ |
-$925K | $2.6M | $18.2M | $40.4M | 45% |
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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.