BlastPoint's Banking Scorecard

Kish Bank

$1B-$10B Specialty: Commercial PA FDIC cert 14969

Designations: ✓ Community bank

Belleville, PA

18 branches across PA

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

Kish Bank has 1 strength but faces 4 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

+ Delinquency Rate 0.29% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 27.92% above tier average
- ROA 0.20% below tier average
- Net Interest Margin 0.28% below tier average
- Efficiency Ratio 0.56% above 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 ?	$2.0B +11.8% YoY +0.4% QoQ	-$835.2M	$2.8B -0.1% YoY	$3.1B +7.0% YoY	$6.2B +9.1% YoY	50%
Total Loans ?	$1.7B +14.3% YoY +0.6% QoQ	-$265.0M	$2.0B +0.6% YoY	$2.2B +7.7% YoY	$3.2B +10.8% YoY	59%
Total Deposits ?	$1.5B +16.4% YoY +2.3% QoQ	-$827.3M	$2.3B -0.3% YoY	$2.6B +7.1% YoY	$4.8B +8.2% YoY	45%
Return on Assets ?	1.16% +21.8% YoY +6.0% QoQ	-0.20%	1.37% +19.6% YoY	1.46% +26.2% YoY	1.23% +13.4% YoY	45%
Net Interest Margin ?	3.54% +5.4% YoY +0.9% QoQ	-0.28%	3.82% +6.9% YoY	3.32% +8.7% YoY	3.89% +5.7% YoY	43%
Efficiency Ratio ?	61.62% -10.1% YoY -4.2% QoQ	+0.56%	61.06% -4.6% YoY	69.09% -7.7% YoY	66.95% -4.1% YoY	43%
Delinquency Rate ?	0.60%	-0.29%	0.89% +14.1% YoY	0.92% +20.5% YoY	0.95% +18.8% YoY	48%
Loan-to-Deposit Ratio ?	112.12% -1.8% YoY -1.7% QoQ	+27.92%	84.20% +0.3% YoY	83.35% -0.2% YoY	76.70% +0.9% YoY	Bottom 3.8% in tier
Non-Interest-Bearing Deposit Share ?	13.85% +0.6% YoY +0.7% QoQ	-7.44%	21.29% -2.5% YoY	17.71% -0.1% YoY	22.01% -1.2% YoY	24%
Nonperforming Asset Ratio ?	0.51%	-0.16%	0.67% +15.6% YoY	0.67% +14.7% YoY	0.67% +19.3% YoY	44%
Tier 1 Capital Ratio ?	10.21% +3.7% YoY +3.7% QoQ	-4.95%	15.16% +2.0% YoY	20.10% +0.3% YoY	17.06% +0.8% YoY	Bottom 6.2% in tier
Non-Interest Income / Assets ?	0.18% -0.8% YoY -74.1% QoQ	-0.08%	0.26% +1.6% YoY	0.69% +18.0% YoY	0.32% +4.1% YoY	63%

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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 (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

851

Loan-to-Deposit Ratio

liquidity

Value: 112.12%

Peer Median: 84.20%

#851 of 884 Bottom 3.8% in $1B-$10B

830

Tier 1 Capital Ratio

capital

Value: 10.21%

Peer Median: 15.16%

#830 of 884 Bottom 6.2% in $1B-$10B

676

Non-Interest-Bearing Deposit Share

funding

Value: 13.85%

Peer Median: 21.29%

#676 of 884 Bottom 23.6% in $1B-$10B