BlastPoint's Banking Scorecard

Firstrust Savings Bank

$1B-$10B Specialty: Commercial PA FDIC cert 26647

Conshohocken, PA

18 branches across PA · MD · 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 885 banks in the $1B-$10B peer group nationwide — 1 of 37 in PA.
Deposits +16.3% year over year ($4.8B on the books).
Delinquency rate 0.80%.
Return on assets 1.71%.
Efficiency ratio 54.76% vs a 59.73% peer average.
Loan-to-deposit ratio 95.68% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 37 in PA

View $1B-$10B leaderboard (PA) →

Firstrust Savings Bank has 4 strengths but faces 3 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 0.32% above tier average
+ Net Interest Margin 0.25% above tier average
+ Efficiency Ratio 4.97% below tier average
+ Delinquency Rate 0.06% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 19.2% in tier
- Liquidity Strain: Bottom 34.9% in tier
- Margin Compression: Bottom 48.2% in tier

Get updates when Firstrust Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$5.6B +8.1% YoY -0.2% QoQ	+$2.8B	$2.8B -0.6% YoY	$3.1B +7.3% YoY	$6.3B +7.7% YoY	Top 11.1% in tier
Total Loans ?	$4.6B +5.6% YoY +4.0% QoQ	+$2.6B	$2.0B -0.3% YoY	$2.3B +8.0% YoY	$3.2B +9.4% YoY	Top 8.4% in tier
Total Deposits ?	$4.8B +16.3% YoY +0.1% QoQ	+$2.4B	$2.3B -0.5% YoY	$2.6B +7.1% YoY	$4.9B +7.3% YoY	Top 11.5% in tier
Return on Assets ?	1.71% -14.2% YoY +11.4% QoQ	+0.32%	1.39% +17.0% YoY	1.63% +26.6% YoY	1.30% +12.1% YoY	79%
Net Interest Margin ?	4.12% +0.2% YoY +1.1% QoQ	+0.25%	3.87% +6.2% YoY	3.40% +8.7% YoY	3.95% +4.9% YoY	74%
Efficiency Ratio ?	54.76% -1.0% YoY +8.8% QoQ	-4.97%	59.73% -12.6% YoY	66.68% -6.6% YoY	70.05% +2.5% YoY	64%
Delinquency Rate ?	0.80% +3.3% YoY +6.8% QoQ	-0.06%	0.87% +11.7% YoY	0.92% +32.0% YoY	0.98% +16.3% YoY	35%
Loan-to-Deposit Ratio ?	95.68% -9.2% YoY +3.9% QoQ	+10.64%	85.04% -0.1% YoY	84.75% +0.9% YoY	79.03% +2.3% YoY	24%
Non-Interest-Bearing Deposit Share ?	26.73% -1.5% YoY +13.3% QoQ	+5.46%	21.27% -1.5% YoY	18.04% +1.4% YoY	21.98% -0.6% YoY	76%
Nonperforming Asset Ratio ?	0.67% +3.7% YoY +13.0% QoQ	+0.00%	0.67% +11.7% YoY	0.67% +21.3% YoY	0.69% +15.8% YoY	34%
Tier 1 Capital Ratio ?	11.80% -5.2% YoY -5.1% QoQ	-3.04%	14.84% -0.4% YoY	19.93% +0.1% YoY	17.09% +0.8% YoY	29%
Non-Interest Income / Assets ?	0.26% -21.3% YoY +45.1% QoQ	-0.27%	0.53% +2.5% YoY	1.47% +21.0% YoY	0.66% +5.2% YoY	42%

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	26.7% -0.4pp YoY +3.1pp QoQ	+5.4pp	21.4%	18.7%	22.2%	76%
Brokered Deposits	1.8% -2.7pp YoY -1.0pp QoQ	-7.6pp	9.5%	6.8%	8.5%	26%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
C&I	28.1% +0.9pp YoY +2.4pp QoQ	+14.1pp	14.0%	8.6%	12.5%	90%
CRE	46.8% +1.4pp YoY -0.9pp QoQ	-3.2pp	50.0%	37.9%	41.4%	41%
1-4 Family	18.0% -2.3pp YoY -1.4pp QoQ	-8.4pp	26.4%	47.8%	31.3%	38%
Consumer	5.4% +0.1pp YoY -0.1pp QoQ	+0.7pp	4.7%	3.8%	5.0%	82%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
CET1 Ratio	11.8% -0.6pp YoY -0.6pp QoQ	-3.8pp	15.6%	22.3%	19.7%	20%
Leverage Ratio	11.4% -0.4pp YoY +0.1pp QoQ	+0.1pp	11.3%	13.2%	12.6%	68%
Total Capital Ratio	13.1% -0.6pp YoY -0.6pp QoQ	-3.6pp	16.7%	23.3%	20.8%	22%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Full-Time Employees	572 -15 (-2.6%) YoY -18 (-3.1%) QoQ	+258	313	299	482	87%
Assets per Employee ($)	$9.8M +11.0% YoY +2.9% QoQ	-$652K	$10.5M	$9.2M	$8.8M	64%
Branch Count	18 0 YoY 0 QoQ	-2	20	20	18	60%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.2%	0.2%	0.4%	16%
Nonaccrual	0.8% 0.0pp YoY +0.1pp QoQ	0.0pp	0.8%	0.9%	1.0%	66%
Allowance Coverage	2.02x -17.3% YoY -13.8% QoQ	-16.69x	18.71x	3.63x	20.23x	50%
Net Charge-off Rate (YTD)	0.4% +0.3pp YoY -0.3pp QoQ	+0.2pp	0.3%	0.1%	0.2%	90%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
ROE	16.1% -2.5pp YoY +1.6pp QoQ	+3.5pp	12.6%	10.2%	11.6%	79%
Cost of Funds (YTD)	1.7% -0.4pp YoY -0.1pp QoQ	-0.2pp	1.9%	1.8%	1.7%	40%
Net Income ($, YTD)	$48.3M -8.4% YoY — QoQ	+$29.0M	$19.2M	$18.2M	$40.4M	93%

Get Full Access to Firstrust Savings Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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

#78 of 402 • Bottom 19.2% in tier

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

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ

Liquidity Strain

risk

#127 of 361 • Bottom 34.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 95.68%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

Margin Compression

decline

#42 of 85 • Bottom 48.2% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.71%

(Tier: 1.39%, National: 1.30%)

better than tier avg

85 of 85 Mid-Market banks match · 413 nationally

→ Stable +8 banks QoQ | 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 885 peers in $1B-$10B

Top Strengths (5 metrics)

Total Loans

size

Value: $4.56B

Peer Median: $1.96B

#75 of 885 Top 8.4% in $1B-$10B

Total Assets

size

Value: $5.62B

Peer Median: $2.79B

#99 of 885 Top 11.1% in $1B-$10B

103

Total Deposits

size

Value: $4.76B

Peer Median: $2.32B

#103 of 885 Top 11.5% in $1B-$10B

187

Return on Assets

profitability

Value: 1.71%

Peer Median: 1.39%

#187 of 885 Top 21.0% in $1B-$10B

211

Non-Interest-Bearing Deposit Share

funding

Value: 26.73%

Peer Median: 21.27%

#211 of 885 Top 23.7% in $1B-$10B

Top Weaknesses (1 metrics)

676

Loan-to-Deposit Ratio

liquidity

Value: 95.68%

Peer Median: 85.04%

#676 of 885 Bottom 23.7% in $1B-$10B