BlastPoint

BlastPoint's Banking Scorecard

Mauch Chunk Trust Company

$100M-$1B Specialty: Commercial PA FDIC cert 2359

Jim Thorpe, 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 -5.4% year over year ($607.5M on the books).
  • Delinquency rate 1.29%.
  • Return on assets 0.22%.
  • Efficiency ratio 84.48% vs a 64.48% peer average.
  • Loan-to-deposit ratio 48.20% 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 55 in PA
View $100M-$1B leaderboard (PA) →

Mauch Chunk Trust Company faces 5 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 15.7% in tier
  • - Credit Risk Growth: Bottom 35.5% in tier
  • - Efficiency Drag: Bottom 41.0% in tier
  • - Return on Assets 1.10% below tier average
  • - Net Interest Margin 1.21% below tier average
Get updates when Mauch Chunk Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Total Assets ? $642.8M
-3.7% YoY +0.8% QoQ
+$256.2M $386.6M
+1.2% YoY
$3.1B
+7.3% YoY
$6.3B
+7.7% YoY
84%
Total Loans ? $292.9M
+3.7% YoY +1.7% QoQ
+$34.5M $258.3M
+1.7% YoY
$2.3B
+8.0% YoY
$3.2B
+9.4% YoY
66%
Total Deposits ? $607.5M
-5.4% YoY -0.1% QoQ
+$280.8M $326.7M
+0.7% YoY
$2.6B
+7.1% YoY
$4.9B
+7.3% YoY
Top 11.7% in tier
Return on Assets ? 0.22%
+47.9% YoY -22.4% QoQ
-1.10% 1.32%
+10.8% YoY
1.63%
+26.6% YoY
1.30%
+12.1% YoY
Bottom 5.9% in tier
Net Interest Margin ? 2.78%
+12.5% YoY +2.6% QoQ
-1.21% 3.99%
+5.0% YoY
3.40%
+8.7% YoY
3.95%
+4.9% YoY
Bottom 5.9% in tier
Efficiency Ratio ? 84.48%
-2.7% YoY -1.5% QoQ
+20.00% 64.48%
-3.2% YoY
66.68%
-6.6% YoY
70.05%
+2.5% YoY
Bottom 9.5% in tier
Delinquency Rate ? 1.29%
+55.2% YoY +63.3% QoQ
+0.37% 0.92%
+15.7% YoY
0.92%
+32.0% YoY
0.98%
+16.3% YoY
22%
Loan-to-Deposit Ratio ? 48.20%
+9.7% YoY +1.9% QoQ
-29.75% 77.95%
+1.0% YoY
84.75%
+0.9% YoY
79.03%
+2.3% YoY
Top 7.5% in tier
Non-Interest-Bearing Deposit Share ? 13.79%
-4.2% YoY -0.2% QoQ
-8.24% 22.03%
-0.6% YoY
18.04%
+1.4% YoY
21.98%
-0.6% YoY
20%
Nonperforming Asset Ratio ? 0.59%
+67.2% YoY +64.9% QoQ
-0.08% 0.67%
+16.4% YoY
0.67%
+21.3% YoY
0.69%
+15.8% YoY
35%
Tier 1 Capital Ratio ? 15.14%
+4.1% YoY -1.8% QoQ
-0.76% 15.91%
+1.4% YoY
19.93%
+0.1% YoY
17.09%
+0.8% YoY
67%
Non-Interest Income / Assets ? 0.32%
+9.7% YoY +112.2% QoQ
-0.25% 0.57%
+7.6% YoY
1.47%
+21.0% YoY
0.66%
+5.2% YoY
76%

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 13.8%
-0.6pp YoY
0.0pp QoQ
 -8.4pp 22.1% 18.7% 22.2% 20%
Brokered Deposits 6.8%
-0.6pp YoY
-1.3pp QoQ
 -1.1pp 7.9% 6.8% 8.5% 63%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
C&I 14.6%
-1.6pp YoY
-0.7pp QoQ
 +3.1pp 11.6% 8.6% 12.5% 74%
CRE 41.8%
+4.4pp YoY
+1.7pp QoQ
 +2.3pp 39.5% 37.9% 41.4% 57%
1-4 Family 40.1%
-0.9pp YoY
-0.9pp QoQ
 +7.5pp 32.6% 47.8% 31.3% 70%
Consumer 0.6%
-0.2pp YoY
0.0pp QoQ
 -3.5pp 4.1% 3.8% 5.0% 19%

Capital

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
CET1 Ratio 15.1%
+0.6pp YoY
-0.3pp QoQ
 -3.7pp 18.8% 22.3% 19.7% 50%
Leverage Ratio 7.9%
+0.2pp YoY
0.0pp QoQ
 -4.2pp 12.2% 13.2% 12.6% 2%
Total Capital Ratio 16.4%
+0.8pp YoY
-0.3pp QoQ
 -3.5pp 19.9% 23.3% 20.8% 52%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Full-Time Employees 94
+5 (+5.6%) YoY
0 QoQ
 +35 58 299 482 84%
Assets per Employee ($) $6.8M
-8.8% YoY
+0.8% QoQ
 -$680K $7.5M $9.2M $8.8M 49%
Branch Count 7
-1 (-12.5%) 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 1.3%
+0.5pp YoY
+0.5pp QoQ
 +0.4pp 0.9% 0.9% 1.0% 78%
Allowance Coverage 1.25x
-24.3% YoY
-36.2% QoQ
 -22.91x 24.15x 3.63x 20.23x 33%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 13%

Profitability

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
ROE 40.5%
-62.6pp QoQ
 +28.3pp 12.2% 10.2% 11.6% 99%
Cost of Funds (YTD) 1.8%
-0.3pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.8% 1.7% 58%
Net Income ($, YTD) $701,000
+47.6% YoY
— QoQ
 -$1.9M $2.6M $18.2M $40.4M 16%

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)

Deposit Outflow

decline
#85 of 535 • Bottom 15.7% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

Credit Risk Growth

risk
#333 of 936 • Bottom 35.5% in tier

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

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Efficiency Drag

risk
#149 of 361 • Bottom 41.0% in tier

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

Why this signature
Efficiency Ratio: 84.48%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

200
Loan-to-Deposit Ratio
liquidity
Value: 48.20%
Peer Median: 77.95%
#200 of 2643 Top 7.5% in $100M-$1B
310
Total Deposits
size
Value: $607.53M
Peer Median: $326.73M
#310 of 2643 Top 11.7% in $100M-$1B
433
Total Assets
size
Value: $642.78M
Peer Median: $386.57M
#433 of 2643 Top 16.3% in $100M-$1B
648
Non-Interest Income / Assets
revenue_mix
Value: 0.32%
Peer Median: 0.57%
#648 of 2643 Top 24.5% in $100M-$1B

Top Weaknesses (5 metrics)

2489
Return on Assets
profitability
Value: 0.22%
Peer Median: 1.32%
#2489 of 2643 Bottom 5.9% in $100M-$1B
2488
Net Interest Margin
profitability
Value: 2.78%
Peer Median: 3.99%
#2488 of 2643 Bottom 5.9% in $100M-$1B
2392
Efficiency Ratio
profitability
Value: 84.48%
Peer Median: 64.48%
#2392 of 2643 Bottom 9.5% in $100M-$1B
2111
Non-Interest-Bearing Deposit Share
funding
Value: 13.79%
Peer Median: 22.03%
#2111 of 2643 Bottom 20.2% in $100M-$1B
2049
Delinquency Rate
credit_quality
Value: 1.29%
Peer Median: 0.92%
#2049 of 2633 Bottom 22.2% in $100M-$1B
Powered by BlastPoint © 2026