BlastPoint's Banking Scorecard
Port Richmond Savings
Designations: ✓ Community bank ✓ Mutual
Philadelphia, 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 536 banks in the under $100M peer group nationwide — 1 of 9 in PA.
- Deposits +4.3% year over year ($60.8M on the books).
- Delinquency rate 0.99%.
- Return on assets 2.39%.
- Efficiency ratio 44.16% vs a 119.40% peer average.
- Loan-to-deposit ratio 143.21% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Port Richmond Savings has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.39% above tier average
- + Efficiency Ratio 75.23% below tier average
- + Net Interest Margin 0.68% above tier average
- + Delinquency Rate 0.49% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 69.00% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$97.2M
+0.8% YoY
+0.1% QoQ
|
+$34.7M |
$62.4M
-0.0% YoY
|
$3.1B
+7.3% YoY
|
$6.3B
+7.7% YoY
|
Top 3.7% in tier |
| Total Loans ? |
$87.0M
+1.9% YoY
+4.6% QoQ
|
+$52.1M |
$34.9M
-0.6% YoY
|
$2.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
Top 0.4% in tier |
| Total Deposits ? |
$60.8M
+4.3% YoY
+0.4% QoQ
|
+$9.2M |
$51.6M
-0.2% YoY
|
$2.6B
+7.1% YoY
|
$4.9B
+7.3% YoY
|
61% |
| Return on Assets ? |
2.39%
-13.7% YoY
-8.6% QoQ
|
+1.39% |
1.00%
+3.5% YoY
|
1.63%
+26.6% YoY
|
1.30%
+12.1% YoY
|
Top 5.8% in tier |
| Net Interest Margin ? |
4.60%
-2.4% YoY
-1.3% QoQ
|
+0.68% |
3.91%
+2.3% YoY
|
3.40%
+8.7% YoY
|
3.95%
+4.9% YoY
|
77% |
| Efficiency Ratio ? |
44.16%
+19.2% YoY
+11.3% QoQ
|
-75.23% |
119.40%
+49.6% YoY
|
66.68%
-6.6% YoY
|
70.05%
+2.5% YoY
|
Top 4.7% in tier |
| Delinquency Rate ? |
0.99%
+31.8% YoY
|
-0.49% |
1.48%
+31.8% YoY
|
0.92%
+32.0% YoY
|
0.98%
+16.3% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
143.21%
-2.4% YoY
+4.2% QoQ
|
+69.00% |
74.21%
+12.6% YoY
|
84.75%
+0.9% YoY
|
79.03%
+2.3% YoY
|
Bottom 1.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.55%
+13.0% YoY
+5.2% QoQ
|
-0.94% |
23.49%
+0.6% YoY
|
18.04%
+1.4% YoY
|
21.98%
-0.6% YoY
|
47% |
| Nonperforming Asset Ratio ? |
1.44%
+117.0% YoY
+128.1% QoQ
|
+0.60% |
0.84%
+23.0% YoY
|
0.67%
+21.3% YoY
|
0.69%
+15.8% YoY
|
17% |
| Tier 1 Capital Ratio ? |
22.56%
+2.9% YoY
+1.6% QoQ
|
-4.56% |
27.13%
+3.0% YoY
|
19.93%
+0.1% YoY
|
17.09%
+0.8% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.08%
+8.8% YoY
+77.6% QoQ
|
-1.30% |
1.38%
+6.3% YoY
|
1.47%
+21.0% YoY
|
0.66%
+5.2% YoY
|
32% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
22.6%
+2.6pp YoY +1.1pp QoQ |
-2.1pp | 24.6% | 18.7% | 22.2% | 44% |
| Brokered Deposits | n/a | n/a | 9.8% | 6.8% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.4%
+0.4pp YoY +1.4pp QoQ |
-8.0pp | 13.4% | 8.6% | 12.5% | 23% |
| CRE | n/a | n/a | 25.2% | 37.9% | 41.4% | n/a |
| 1-4 Family |
54.6%
-1.1pp YoY -1.5pp QoQ |
+19.6pp | 35.0% | 47.8% | 31.3% | 76% |
| Consumer | n/a | n/a | 7.7% | 3.8% | 5.0% | n/a |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 22.3% | 19.7% | n/a |
| Leverage Ratio |
22.6%
+0.6pp YoY +0.4pp QoQ |
+4.9pp | 17.7% | 13.2% | 12.6% | 89% |
| Total Capital Ratio | n/a | n/a | 39.7% | 23.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
8
-1 (-11.1%) YoY 0 QoQ |
-4 | 12 | 299 | 482 | 29% |
| Assets per Employee ($) |
$12.1M
+13.3% YoY +0.1% QoQ |
+$6.0M | $6.2M | $9.2M | $8.8M | 98% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 20 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 1.0% | 0.0pp | 1.0% | 0.2% | 0.4% | 72% |
| Nonaccrual |
0.0%
-0.7pp YoY 0.0pp QoQ |
-1.7pp | 1.7% | 0.9% | 1.0% | 2% |
| Allowance Coverage |
1.20x
-26.7% YoY -97.6% QoQ |
-5.21x | 6.41x | 3.63x | 20.23x | 48% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.9%
-2.4pp YoY -1.2pp QoQ |
+4.5pp | 6.4% | 10.2% | 11.6% | 67% |
| Cost of Funds (YTD) |
1.7%
0.0pp YoY 0.0pp QoQ |
+0.3pp | 1.4% | 1.8% | 1.7% | 67% |
| Net Income ($, YTD) |
$1.2M
-14.2% YoY — QoQ |
+$844K | $317,817 | $18.2M | $40.4M | 98% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.