BlastPoint's Banking Scorecard

The Pennsville National Bank

$100M-$1B Specialty: Other NJ FDIC cert 19978

Pennsville, NJ

5 branches across NJ

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 25 in NJ.
Deposits -0.6% year over year ($251.6M on the books).
Delinquency rate 1.43%.
Return on assets 1.48%.
Efficiency ratio 55.19% vs a 64.48% peer average.
Loan-to-deposit ratio 51.71% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 25 in NJ

View $100M-$1B leaderboard (NJ) →

The Pennsville National Bank has 3 strengths but faces 2 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

+ ROA 0.15% above tier average
+ Net Interest Margin 0.23% above tier average
+ Efficiency Ratio 9.29% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 15.6% in tier
- Delinquency Rate 0.51% above tier average

Get updates when The Pennsville National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Total Assets ?	$281.8M +0.3% YoY -2.7% QoQ	-$104.8M	$386.6M +1.2% YoY	$4.4B +7.9% YoY	$6.3B +7.7% YoY	42%
Total Loans ?	$130.1M +19.1% YoY +4.3% QoQ	-$128.2M	$258.3M +1.7% YoY	$3.3B +6.8% YoY	$3.2B +9.4% YoY	28%
Total Deposits ?	$251.6M -0.6% YoY -3.4% QoQ	-$75.1M	$326.7M +0.7% YoY	$3.6B +8.2% YoY	$4.9B +7.3% YoY	45%
Return on Assets ?	1.48% +1.6% YoY +5.8% QoQ	+0.15%	1.32% +10.8% YoY	0.53% -11.1% YoY	1.30% +12.1% YoY	64%
Net Interest Margin ?	4.21% +6.3% YoY +2.9% QoQ	+0.23%	3.99% +5.0% YoY	3.11% +4.3% YoY	3.95% +4.9% YoY	66%
Efficiency Ratio ?	55.19% +7.9% YoY -1.4% QoQ	-9.29%	64.48% -3.2% YoY	78.52% +3.6% YoY	70.05% +2.5% YoY	72%
Delinquency Rate ?	1.43% +81.1% YoY +19.9% QoQ	+0.51%	0.92% +15.7% YoY	0.69% -16.2% YoY	0.98% +16.3% YoY	20%
Loan-to-Deposit Ratio ?	51.71% +19.8% YoY +7.9% QoQ	-26.25%	77.95% +1.0% YoY	81.90% -3.2% YoY	79.03% +2.3% YoY	Top 9.5% in tier
Non-Interest-Bearing Deposit Share ?	21.02% +14.7% YoY +8.8% QoQ	-1.01%	22.03% -0.6% YoY	16.56% -0.1% YoY	21.98% -0.6% YoY	50%
Nonperforming Asset Ratio ?	0.66% +115.1% YoY +28.5% QoQ	-0.01%	0.67% +16.4% YoY	0.61% -0.3% YoY	0.69% +15.8% YoY	32%
Tier 1 Capital Ratio ?	10.23% -53.5% YoY +2.5% QoQ	-5.68%	15.91% +1.4% YoY	19.31% +2.7% YoY	17.09% +0.8% YoY	Bottom 13.2% in tier
Non-Interest Income / Assets ?	0.17% -1.7% YoY +114.6% QoQ	-0.40%	0.57% +7.6% YoY	0.77% -2.9% YoY	0.66% +5.2% YoY	41%

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 (NJ)	National Avg	Tier Percentile
Noninterest-Bearing	21.0% +2.7pp YoY +1.7pp QoQ	-1.1pp	22.1%	16.6%	22.2%	50%
Brokered Deposits	n/a	n/a	7.9%	10.1%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
C&I	8.1% -2.0pp YoY -0.7pp QoQ	-3.4pp	11.6%	6.5%	12.5%	41%
CRE	12.2% +4.3pp YoY +0.2pp QoQ	-27.3pp	39.5%	56.3%	41.4%	7%
1-4 Family	48.9% -0.2pp YoY -0.3pp QoQ	+16.3pp	32.6%	39.4%	31.3%	81%
Consumer	10.0% -1.4pp YoY -0.8pp QoQ	+5.9pp	4.1%	4.3%	5.0%	92%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	18.8%	19.7%	n/a
Leverage Ratio	10.2% +1.0pp YoY +0.3pp QoQ	-1.9pp	12.2%	13.4%	12.6%	36%
Total Capital Ratio	n/a	n/a	19.9%	19.8%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Full-Time Employees	41 +6 (+17.1%) YoY +6 (+17.1%) QoQ	-18	58	336	482	42%
Assets per Employee ($)	$6.9M -14.4% YoY -17.0% QoQ	-$646K	$7.5M	$11.2M	$8.8M	50%
Branch Count	5 0 YoY 0 QoQ	0	4	20	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.4%	33%
Nonaccrual	1.4% +0.6pp YoY +0.2pp QoQ	+0.5pp	0.9%	0.8%	1.0%	80%
Allowance Coverage	0.72x -48.4% YoY -16.3% QoQ	-23.43x	24.15x	6.57x	20.23x	18%
Net Charge-off Rate (YTD)	0.1% -0.5pp YoY 0.0pp QoQ	0.0pp	0.1%	0.2%	0.2%	77%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
ROE	15.1% -2.2pp YoY +0.6pp QoQ	+2.9pp	12.2%	6.4%	11.6%	68%
Cost of Funds (YTD)	0.2% -0.2pp YoY 0.0pp QoQ	-1.5pp	1.7%	1.9%	1.7%	1%
Net Income ($, YTD)	$2.1M +2.4% YoY — QoQ	-$441K	$2.6M	$19.8M	$40.4M	54%

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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 (1)

Capital Thin

risk

#104 of 661 • Bottom 15.6% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.23%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 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 2643 peers in $100M-$1B

Top Strengths (1 metrics)

251

Loan-to-Deposit Ratio

liquidity

Value: 51.71%

Peer Median: 77.95%

#251 of 2643 Top 9.5% in $100M-$1B

Top Weaknesses (2 metrics)

2295

Tier 1 Capital Ratio

capital

Value: 10.23%

Peer Median: 15.91%

#2295 of 2643 Bottom 13.2% in $100M-$1B

2119

Delinquency Rate

credit_quality

Value: 1.43%

Peer Median: 0.92%

#2119 of 2633 Bottom 19.6% in $100M-$1B