BlastPoint's Banking Scorecard

Artisans' Bank

$100M-$1B Specialty: Commercial DE FDIC cert 17123

Designations: ✓ Mutual

Wilmington, DE

13 branches across DE

2664 banks in the $100M-$1B peer group nationally 8 in DE

Artisans' Bank has 1 strength but faces 6 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 0.40% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 10.4% in tier
- Credit Quality Pressure: Bottom 31.4% in tier
- Efficiency Drag: Bottom 40.8% in tier
- Non-Interest-Bearing Deposit Share 16.94% below tier average
- ROA 0.86% below tier average
- Net Interest Margin 0.65% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
Total Assets ?	$719.6M +3.6% YoY +0.7% QoQ	+$333.6M	$386.1M +0.5% YoY	$70.8B +0.0% YoY	$6.2B +9.1% YoY	Top 11.7% in tier
Total Loans ?	$510.9M +3.4% YoY +0.2% QoQ	+$255.2M	$255.7M +1.1% YoY	$38.8B +4.8% YoY	$3.2B +10.8% YoY	Top 9.9% in tier
Total Deposits ?	$645.0M +3.1% YoY +0.8% QoQ	+$317.0M	$328.0M +0.1% YoY	$56.2B +0.9% YoY	$4.8B +8.2% YoY	Top 9.9% in tier
Return on Assets ?	0.41% +39.7% YoY -14.3% QoQ	-0.86%	1.27% +12.9% YoY	2.25% -5.9% YoY	1.23% +13.4% YoY	Bottom 10.7% in tier
Net Interest Margin ?	3.28% +8.2% YoY +1.8% QoQ	-0.65%	3.93% +6.0% YoY	5.71% +1.4% YoY	3.89% +5.7% YoY	21%
Efficiency Ratio ?	84.03% -5.2% YoY +2.9% QoQ	+18.75%	65.29% -4.5% YoY	53.58% -1.6% YoY	66.95% -4.1% YoY	Bottom 11.0% in tier
Delinquency Rate ?	0.49% +38.7% YoY +75.3% QoQ	-0.40%	0.89% +18.8% YoY	1.76% +0.3% YoY	0.95% +18.8% YoY	46%
Loan-to-Deposit Ratio ?	79.22% +0.3% YoY -0.6% QoQ	+2.58%	76.64% +0.8% YoY	82.81% -6.4% YoY	76.70% +0.9% YoY	48%
Non-Interest-Bearing Deposit Share ?	5.08% -5.3% YoY -7.0% QoQ	-16.94%	22.02% -1.0% YoY	23.71% -4.5% YoY	22.01% -1.2% YoY	Bottom 3.6% in tier
Nonperforming Asset Ratio ?	0.38% +53.1% YoY +92.8% QoQ	-0.26%	0.64% +19.7% YoY	0.52% -2.0% YoY	0.67% +19.3% YoY	44%
Tier 1 Capital Ratio ?	13.08% +2.2% YoY +1.3% QoQ	-2.75%	15.83% +1.5% YoY	58.48% +5.2% YoY	17.06% +0.8% YoY	48%
Non-Interest Income / Assets ?	0.09% +10.0% YoY -76.1% QoQ	-0.19%	0.28% +9.3% YoY	1.31% -6.4% YoY	0.32% +4.1% YoY	42%

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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 (3)

Credit Risk Growth

risk

#102 of 973 • Bottom 10.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ

Credit Quality Pressure

risk

#412 of 1308 • Bottom 31.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.49%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ

Efficiency Drag

risk

#170 of 414 • Bottom 40.8% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 84.03%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

264

Total Loans

size

Value: $510.95M

Peer Median: $255.72M

#264 of 2664 Top 9.9% in $100M-$1B

265

Total Deposits

size

Value: $644.98M

Peer Median: $327.97M

#265 of 2664 Top 9.9% in $100M-$1B

314

Total Assets

size

Value: $719.64M

Peer Median: $386.08M

#314 of 2664 Top 11.7% in $100M-$1B

Top Weaknesses (4 metrics)

2569

Non-Interest-Bearing Deposit Share

funding

Value: 5.08%

Peer Median: 22.02%

#2569 of 2664 Bottom 3.6% in $100M-$1B

2379

Return on Assets

profitability

Value: 0.41%

Peer Median: 1.27%

#2379 of 2664 Bottom 10.7% in $100M-$1B

2373

Efficiency Ratio

profitability

Value: 84.03%

Peer Median: 65.29%

#2373 of 2664 Bottom 11.0% in $100M-$1B

2108

Net Interest Margin

profitability

Value: 3.28%

Peer Median: 3.93%

#2108 of 2664 Bottom 20.9% in $100M-$1B