BlastPoint's Banking Scorecard

Mauch Chunk Trust Company

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

Jim Thorpe, PA

8 branches across PA

2664 banks in the $100M-$1B peer group nationally 55 in PA

Mauch Chunk Trust Company 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 0.10% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 6.6% in tier
- Efficiency Drag: Bottom 48.3% in tier
- Return on Assets 0.99% below tier average
- Net Interest Margin 1.22% below 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 ?	$637.9M +0.9% YoY -1.7% QoQ	+$251.9M	$386.1M +0.5% YoY	$3.1B +7.0% YoY	$6.2B +9.1% YoY	83%
Total Loans ?	$287.9M +5.1% YoY +1.8% QoQ	+$32.2M	$255.7M +1.1% YoY	$2.2B +7.7% YoY	$3.2B +10.8% YoY	66%
Total Deposits ?	$608.4M +1.0% YoY -1.6% QoQ	+$280.4M	$328.0M +0.1% YoY	$2.6B +7.1% YoY	$4.8B +8.2% YoY	Top 11.7% in tier
Return on Assets ?	0.28% +83.8% YoY +44.2% QoQ	-0.99%	1.27% +12.9% YoY	1.46% +26.2% YoY	1.23% +13.4% YoY	Bottom 7.4% in tier
Net Interest Margin ?	2.71% +11.4% YoY +6.6% QoQ	-1.22%	3.93% +6.0% YoY	3.32% +8.7% YoY	3.89% +5.7% YoY	Bottom 5.6% in tier
Efficiency Ratio ?	85.76% -3.4% YoY +2.1% QoQ	+20.47%	65.29% -4.5% YoY	69.09% -7.7% YoY	66.95% -4.1% YoY	Bottom 9.6% in tier
Delinquency Rate ?	0.79% -6.1% YoY -1.8% QoQ	-0.10%	0.89% +18.8% YoY	0.92% +20.5% YoY	0.95% +18.8% YoY	34%
Loan-to-Deposit Ratio ?	47.32% +4.0% YoY +3.5% QoQ	-29.32%	76.64% +0.8% YoY	83.35% -0.2% YoY	76.70% +0.9% YoY	Top 7.6% in tier
Non-Interest-Bearing Deposit Share ?	13.83% +1.3% YoY +0.6% QoQ	-8.19%	22.02% -1.0% YoY	17.71% -0.1% YoY	22.01% -1.2% YoY	20%
Nonperforming Asset Ratio ?	0.36% -2.2% YoY +1.7% QoQ	-0.28%	0.64% +19.7% YoY	0.67% +14.7% YoY	0.67% +19.3% YoY	46%
Tier 1 Capital Ratio ?	15.42% +10.9% YoY +1.0% QoQ	-0.41%	15.83% +1.5% YoY	20.10% +0.3% YoY	17.06% +0.8% YoY	69%
Non-Interest Income / Assets ?	0.15% +4.4% YoY -74.9% QoQ	-0.13%	0.28% +9.3% YoY	0.69% +18.0% YoY	0.32% +4.1% YoY	74%

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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 (2)

Flatlined Growth

risk

#35 of 512 • Bottom 6.6% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.28%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ

Efficiency Drag

risk

#201 of 414 • Bottom 48.3% in tier

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

Why this signature

Efficiency Ratio: 85.76%

(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)

203

Loan-to-Deposit Ratio

liquidity

Value: 47.32%

Peer Median: 76.64%

#203 of 2664 Top 7.6% in $100M-$1B

314

Total Deposits

size

Value: $608.36M

Peer Median: $327.97M

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

446

Total Assets

size

Value: $637.95M

Peer Median: $386.08M

#446 of 2664 Top 16.7% in $100M-$1B

Top Weaknesses (4 metrics)

2517

Net Interest Margin

profitability

Value: 2.71%

Peer Median: 3.93%

#2517 of 2664 Bottom 5.6% in $100M-$1B

2467

Return on Assets

profitability

Value: 0.28%

Peer Median: 1.27%

#2467 of 2664 Bottom 7.4% in $100M-$1B

2408

Efficiency Ratio

profitability

Value: 85.76%

Peer Median: 65.29%

#2408 of 2664 Bottom 9.6% in $100M-$1B

2134

Non-Interest-Bearing Deposit Share

funding

Value: 13.83%

Peer Median: 22.02%

#2134 of 2664 Bottom 19.9% in $100M-$1B