BlastPoint's Banking Scorecard

InFirst Bank

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

Indiana, PA

11 branches across 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 55 in PA.
Deposits +5.9% year over year ($612.7M on the books).
Delinquency rate 0.11%.
Return on assets 1.02%.
Efficiency ratio 65.28% vs a 64.48% peer average.
Loan-to-deposit ratio 97.27% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 55 in PA

View $100M-$1B leaderboard (PA) →

InFirst Bank has 1 strength 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

+ Delinquency Rate 0.81% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 44.1% in tier
- ROA 0.30% below tier average
- Efficiency Ratio 0.80% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$683.2M +6.5% YoY +1.5% QoQ	+$296.6M	$386.6M +1.2% YoY	$3.1B +7.3% YoY	$6.3B +7.7% YoY	Top 13.4% in tier
Total Loans ?	$596.0M +6.0% YoY +1.5% QoQ	+$337.6M	$258.3M +1.7% YoY	$2.3B +8.0% YoY	$3.2B +9.4% YoY	Top 6.3% in tier
Total Deposits ?	$612.7M +5.9% YoY +1.4% QoQ	+$285.9M	$326.7M +0.7% YoY	$2.6B +7.1% YoY	$4.9B +7.3% YoY	Top 11.4% in tier
Return on Assets ?	1.02% +36.7% YoY +18.5% QoQ	-0.30%	1.32% +10.8% YoY	1.63% +26.6% YoY	1.30% +12.1% YoY	35%
Net Interest Margin ?	3.97% +12.8% YoY +3.8% QoQ	-0.01%	3.99% +5.0% YoY	3.40% +8.7% YoY	3.95% +4.9% YoY	52%
Efficiency Ratio ?	65.28% -6.4% YoY -5.3% QoQ	+0.80%	64.48% -3.2% YoY	66.68% -6.6% YoY	70.05% +2.5% YoY	42%
Delinquency Rate ?	0.11% -56.6% YoY -29.3% QoQ	-0.81%	0.92% +15.7% YoY	0.92% +32.0% YoY	0.98% +16.3% YoY	74%
Loan-to-Deposit Ratio ?	97.27% +0.1% YoY +0.1% QoQ	+19.32%	77.95% +1.0% YoY	84.75% +0.9% YoY	79.03% +2.3% YoY	Bottom 13.4% in tier
Non-Interest-Bearing Deposit Share ?	15.36% +3.1% YoY +2.2% QoQ	-6.67%	22.03% -0.6% YoY	18.04% +1.4% YoY	21.98% -0.6% YoY	26%
Nonperforming Asset Ratio ?	0.10% -54.4% YoY -25.4% QoQ	-0.57%	0.67% +16.4% YoY	0.67% +21.3% YoY	0.69% +15.8% YoY	72%
Tier 1 Capital Ratio ?	13.91% +4.8% YoY +0.1% QoQ	-1.99%	15.91% +1.4% YoY	19.93% +0.1% YoY	17.09% +0.8% YoY	57%
Non-Interest Income / Assets ?	0.17% -21.9% YoY +106.5% QoQ	-0.40%	0.57% +7.6% YoY	1.47% +21.0% YoY	0.66% +5.2% YoY	41%

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	15.4% +0.5pp YoY +0.3pp QoQ	-6.8pp	22.1%	18.7%	22.2%	25%
Brokered Deposits	n/a	n/a	7.9%	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	9.6% -0.9pp YoY -0.3pp QoQ	-1.9pp	11.6%	8.6%	12.5%	50%
CRE	20.8% +2.2pp YoY +1.1pp QoQ	-18.8pp	39.5%	37.9%	41.4%	19%
1-4 Family	67.9% -0.8pp YoY -0.6pp QoQ	+35.3pp	32.6%	47.8%	31.3%	93%
Consumer	1.1% -0.1pp YoY 0.0pp QoQ	-3.1pp	4.1%	3.8%	5.0%	30%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
CET1 Ratio	13.9% +0.6pp YoY 0.0pp QoQ	-4.9pp	18.8%	22.3%	19.7%	38%
Leverage Ratio	9.5% +0.3pp YoY +0.2pp QoQ	-2.7pp	12.2%	13.2%	12.6%	21%
Total Capital Ratio	15.2% +0.6pp YoY 0.0pp QoQ	-4.8pp	19.9%	23.3%	20.8%	39%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Full-Time Employees	116 -1 (-0.9%) YoY 0 QoQ	+57	58	299	482	91%
Assets per Employee ($)	$5.9M +7.5% YoY +1.5% QoQ	-$1.6M	$7.5M	$9.2M	$8.8M	31%
Branch Count	11 0 YoY 0 QoQ	+6	4	20	18	93%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY	-0.3pp	0.3%	0.2%	0.4%	12%
Nonaccrual	0.1% -0.1pp YoY 0.0pp QoQ	-0.8pp	0.9%	0.9%	1.0%	19%
Allowance Coverage	11.02x +119.2% YoY +39.6% QoQ	-13.13x	24.15x	3.63x	20.23x	83%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	25%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
ROE	11.3% +2.8pp YoY +1.7pp QoQ	-0.9pp	12.2%	10.2%	11.6%	45%
Cost of Funds (YTD)	2.2% -0.3pp YoY -0.1pp QoQ	+0.5pp	1.7%	1.8%	1.7%	79%
Net Income ($, YTD)	$3.4M +47.8% YoY — QoQ	+$888K	$2.6M	$18.2M	$40.4M	75%

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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

#306 of 691 • Bottom 44.1% 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: 97.27%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

167

Total Loans

size

Value: $595.98M

Peer Median: $258.35M

#167 of 2643 Top 6.3% in $100M-$1B

302

Total Deposits

size

Value: $612.68M

Peer Median: $326.73M

#302 of 2643 Top 11.4% in $100M-$1B

356

Total Assets

size

Value: $683.20M

Peer Median: $386.57M

#356 of 2643 Top 13.4% in $100M-$1B

Top Weaknesses (1 metrics)

2291

Loan-to-Deposit Ratio

liquidity

Value: 97.27%

Peer Median: 77.95%

#2291 of 2643 Bottom 13.4% in $100M-$1B