BlastPoint's Banking Scorecard
Kish Bank
Designations: ✓ Community bank
Belleville, PA
19 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 +11.5% year over year ($1.5B on the books).
- Delinquency rate 0.57%.
- Return on assets 1.18%.
- Efficiency ratio 61.25% vs a 59.73% peer average.
- Loan-to-deposit ratio 116.51% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Kish Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.29% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 31.47% above tier average
- - ROA 0.22% below tier average
- - Net Interest Margin 0.31% below tier average
- - Efficiency Ratio 1.53% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.1B
+13.7% YoY
+5.2% QoQ
|
-$708.8M |
$2.8B
-0.6% YoY
|
$3.1B
+7.3% YoY
|
$6.3B
+7.7% YoY
|
52% |
| Total Loans ? |
$1.8B
+14.3% YoY
+4.0% QoQ
|
-$194.6M |
$2.0B
-0.3% YoY
|
$2.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
61% |
| Total Deposits ? |
$1.5B
+11.5% YoY
+0.1% QoQ
|
-$800.8M |
$2.3B
-0.5% YoY
|
$2.6B
+7.1% YoY
|
$4.9B
+7.3% YoY
|
46% |
| Return on Assets ? |
1.18%
+22.2% YoY
+1.2% QoQ
|
-0.22% |
1.39%
+17.0% YoY
|
1.63%
+26.6% YoY
|
1.30%
+12.1% YoY
|
43% |
| Net Interest Margin ? |
3.56%
+4.1% YoY
+0.8% QoQ
|
-0.31% |
3.87%
+6.2% YoY
|
3.40%
+8.7% YoY
|
3.95%
+4.9% YoY
|
41% |
| Efficiency Ratio ? |
61.25%
-10.1% YoY
-0.6% QoQ
|
+1.53% |
59.73%
-12.6% YoY
|
66.68%
-6.6% YoY
|
70.05%
+2.5% YoY
|
43% |
| Delinquency Rate ? |
0.57%
-4.2% QoQ
|
-0.29% |
0.87%
+11.7% YoY
|
0.92%
+32.0% YoY
|
0.98%
+16.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
116.51%
+2.5% YoY
+3.9% QoQ
|
+31.47% |
85.04%
-0.1% YoY
|
84.75%
+0.9% YoY
|
79.03%
+2.3% YoY
|
Bottom 2.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.58%
+5.1% YoY
+5.3% QoQ
|
-6.69% |
21.27%
-1.5% YoY
|
18.04%
+1.4% YoY
|
21.98%
-0.6% YoY
|
26% |
| Nonperforming Asset Ratio ? |
0.49%
-5.3% QoQ
|
-0.19% |
0.67%
+11.7% YoY
|
0.67%
+21.3% YoY
|
0.69%
+15.8% YoY
|
45% |
| Tier 1 Capital Ratio ? |
10.08%
+2.4% YoY
-1.2% QoQ
|
-4.76% |
14.84%
-0.4% YoY
|
19.93%
+0.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 6.3% in tier |
| Non-Interest Income / Assets ? |
0.33%
-0.9% YoY
+88.3% QoQ
|
-0.20% |
0.53%
+2.5% YoY
|
1.47%
+21.0% YoY
|
0.66%
+5.2% YoY
|
59% |
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 |
14.6%
+0.7pp YoY +0.7pp QoQ |
-6.8pp | 21.4% | 18.7% | 22.2% | 25% |
| Brokered Deposits |
6.3%
-0.7pp YoY -1.7pp QoQ |
-3.1pp | 9.5% | 6.8% | 8.5% | 55% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.0%
+1.1pp YoY +1.4pp QoQ |
-3.1pp | 14.0% | 8.6% | 12.5% | 48% |
| CRE |
52.8%
-1.7pp YoY -1.8pp QoQ |
+2.8pp | 50.0% | 37.9% | 41.4% | 60% |
| 1-4 Family |
31.7%
+1.0pp YoY +0.7pp QoQ |
+5.3pp | 26.4% | 47.8% | 31.3% | 69% |
| Consumer |
0.3%
-0.1pp YoY 0.0pp QoQ |
-4.4pp | 4.7% | 3.8% | 5.0% | 23% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
10.1%
+0.2pp YoY -0.1pp QoQ |
-5.5pp | 15.6% | 22.3% | 19.7% | 1% |
| Leverage Ratio |
8.9%
0.0pp YoY 0.0pp QoQ |
-2.4pp | 11.3% | 13.2% | 12.6% | 10% |
| Total Capital Ratio |
10.9%
+0.3pp YoY -0.1pp QoQ |
-5.8pp | 16.7% | 23.3% | 20.8% | 0% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
285
+27 (+10.5%) YoY +15 (+5.6%) QoQ |
-29 | 313 | 299 | 482 | 63% |
| Assets per Employee ($) |
$7.3M
+2.9% YoY -0.3% QoQ |
-$3.2M | $10.5M | $9.2M | $8.8M | 27% |
| Branch Count |
18
-1 (-5.3%) YoY 0 QoQ |
-2 | 20 | 20 | 18 | 60% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.6%
+0.5pp YoY 0.0pp QoQ |
-0.3pp | 0.8% | 0.9% | 1.0% | 55% |
| Allowance Coverage |
1.22x
-93.9% YoY +3.8% QoQ |
-17.49x | 18.71x | 3.63x | 20.23x | 31% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 44% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.9%
+2.4pp YoY +0.2pp QoQ |
+1.3pp | 12.6% | 10.2% | 11.6% | 65% |
| Cost of Funds (YTD) |
2.3%
-0.3pp YoY 0.0pp QoQ |
+0.4pp | 1.9% | 1.8% | 1.7% | 79% |
| Net Income ($, YTD) |
$11.8M
+39.4% YoY — QoQ |
-$7.4M | $19.2M | $18.2M | $40.4M | 47% |
Get Full Access to Kish Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.