BlastPoint's Banking Scorecard
Firstrust Savings Bank
Conshohocken, PA
18 branches across PA · MD · NJ
Firstrust Savings Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.17% above tier average
- + Net Interest Margin 0.26% above tier average
- + Efficiency Ratio 10.73% below tier average
- + Delinquency Rate 0.14% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 6.3% in tier
- - Margin Compression: Bottom 23.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.6B
+6.0% YoY
-1.4% QoQ
|
+$2.8B |
$2.8B
-0.1% YoY
|
$3.1B
+7.0% YoY
|
$6.2B
+9.1% YoY
|
Top 12.2% in tier |
| Total Loans ? |
$4.4B
-0.4% YoY
-5.5% QoQ
|
+$2.4B |
$2.0B
+0.6% YoY
|
$2.2B
+7.7% YoY
|
$3.2B
+10.8% YoY
|
Top 9.6% in tier |
| Total Deposits ? |
$4.8B
+15.2% YoY
+0.4% QoQ
|
+$2.4B |
$2.3B
-0.3% YoY
|
$2.6B
+7.1% YoY
|
$4.8B
+8.2% YoY
|
Top 12.1% in tier |
| Return on Assets ? |
1.53%
-25.3% YoY
-19.6% QoQ
|
+0.17% |
1.37%
+19.6% YoY
|
1.46%
+26.2% YoY
|
1.23%
+13.4% YoY
|
73% |
| Net Interest Margin ? |
4.08%
-0.0% YoY
-0.8% QoQ
|
+0.26% |
3.82%
+6.9% YoY
|
3.32%
+8.7% YoY
|
3.89%
+5.7% YoY
|
75% |
| Efficiency Ratio ? |
50.33%
-6.3% YoY
-7.2% QoQ
|
-10.73% |
61.06%
-4.6% YoY
|
69.09%
-7.7% YoY
|
66.95%
-4.1% YoY
|
78% |
| Delinquency Rate ? |
0.75%
+1.2% YoY
-1.2% QoQ
|
-0.14% |
0.89%
+14.1% YoY
|
0.92%
+20.5% YoY
|
0.95%
+18.8% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
92.05%
-13.6% YoY
-5.9% QoQ
|
+7.85% |
84.20%
+0.3% YoY
|
83.35%
-0.2% YoY
|
76.70%
+0.9% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
23.59%
-16.6% YoY
-16.6% QoQ
|
+2.30% |
21.29%
-2.5% YoY
|
17.71%
-0.1% YoY
|
22.01%
-1.2% YoY
|
67% |
| Nonperforming Asset Ratio ? |
0.59%
-4.6% YoY
-5.2% QoQ
|
-0.08% |
0.67%
+15.6% YoY
|
0.67%
+14.7% YoY
|
0.67%
+19.3% YoY
|
37% |
| Tier 1 Capital Ratio ? |
12.44%
+1.8% YoY
+4.0% QoQ
|
-2.72% |
15.16%
+2.0% YoY
|
20.10%
+0.3% YoY
|
17.06%
+0.8% YoY
|
39% |
| Non-Interest Income / Assets ? |
0.18%
+8.8% YoY
-73.6% QoQ
|
-0.08% |
0.26%
+1.6% YoY
|
0.69%
+18.0% YoY
|
0.32%
+4.1% YoY
|
64% |
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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 (0)
Concerns (2)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.