BlastPoint's Banking Scorecard

InFirst Bank

$100M-$1B Specialty: Commercial PA FDIC cert 27763

Indiana, PA

11 branches across PA

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

InFirst Bank 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 0.74% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 49.1% in tier
- ROA 0.41% below tier average
- Net Interest Margin 0.10% below tier average
- Efficiency Ratio 3.63% above 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 ?	$673.0M +8.3% YoY +1.3% QoQ	+$287.0M	$386.1M +0.5% YoY	$3.1B +7.0% YoY	$6.2B +9.1% YoY	Top 13.9% in tier
Total Loans ?	$587.1M +6.8% YoY +1.7% QoQ	+$331.4M	$255.7M +1.1% YoY	$2.2B +7.7% YoY	$3.2B +10.8% YoY	Top 6.5% in tier
Total Deposits ?	$604.4M +7.9% YoY +1.3% QoQ	+$276.5M	$328.0M +0.1% YoY	$2.6B +7.1% YoY	$4.8B +8.2% YoY	Top 12.1% in tier
Return on Assets ?	0.86% +50.3% YoY +3.9% QoQ	-0.41%	1.27% +12.9% YoY	1.46% +26.2% YoY	1.23% +13.4% YoY	29%
Net Interest Margin ?	3.83% +12.1% YoY +3.7% QoQ	-0.10%	3.93% +6.0% YoY	3.32% +8.7% YoY	3.89% +5.7% YoY	48%
Efficiency Ratio ?	68.92% -7.5% YoY -0.1% QoQ	+3.63%	65.29% -4.5% YoY	69.09% -7.7% YoY	66.95% -4.1% YoY	35%
Delinquency Rate ?	0.15% -44.8% YoY +0.5% QoQ	-0.74%	0.89% +18.8% YoY	0.92% +20.5% YoY	0.95% +18.8% YoY	69%
Loan-to-Deposit Ratio ?	97.13% -1.0% YoY +0.4% QoQ	+20.50%	76.64% +0.8% YoY	83.35% -0.2% YoY	76.70% +0.9% YoY	Bottom 12.3% in tier
Non-Interest-Bearing Deposit Share ?	15.03% -0.6% YoY +4.1% QoQ	-6.99%	22.02% -1.0% YoY	17.71% -0.1% YoY	22.01% -1.2% YoY	24%
Nonperforming Asset Ratio ?	0.13% -48.3% YoY -0.9% QoQ	-0.51%	0.64% +19.7% YoY	0.67% +14.7% YoY	0.67% +19.3% YoY	67%
Tier 1 Capital Ratio ?	13.90% +4.7% YoY +1.3% QoQ	-1.93%	15.83% +1.5% YoY	20.10% +0.3% YoY	17.06% +0.8% YoY	56%
Non-Interest Income / Assets ?	0.08% -4.0% YoY -78.7% QoQ	-0.20%	0.28% +9.3% YoY	0.69% +18.0% YoY	0.32% +4.1% YoY	41%

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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 (1)

Liquidity Strain

risk

#317 of 643 • Bottom 49.1% 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: 97.13%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

173

Total Loans

size

Value: $587.11M

Peer Median: $255.72M

#173 of 2664 Top 6.5% in $100M-$1B

324

Total Deposits

size

Value: $604.43M

Peer Median: $327.97M

#324 of 2664 Top 12.1% in $100M-$1B

371

Total Assets

size

Value: $673.05M

Peer Median: $386.08M

#371 of 2664 Top 13.9% in $100M-$1B

Top Weaknesses (2 metrics)

2336

Loan-to-Deposit Ratio

liquidity

Value: 97.13%

Peer Median: 76.64%

#2336 of 2664 Bottom 12.3% in $100M-$1B

2013

Non-Interest-Bearing Deposit Share

funding

Value: 15.03%

Peer Median: 22.02%

#2013 of 2664 Bottom 24.5% in $100M-$1B