BlastPoint's Banking Scorecard

Brentwood Bank

$1B-$10B Specialty: Commercial PA FDIC cert 27943

Designations: ✓ Community bank

Bethel Park, PA

14 branches across PA

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

Brentwood Bank faces 6 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 14.0% in tier
- Liquidity Strain: Bottom 48.5% in tier
- Efficiency Drag: Bottom 74.3% in tier
- Return on Assets 1.27% below tier average
- Net Interest Margin 1.47% below tier average
- Delinquency Rate 0.19% 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 ?	$1.0B +4.6% YoY +1.7% QoQ	-$1.8B	$2.8B -0.1% YoY	$3.1B +7.0% YoY	$6.2B +9.0% YoY	Bottom 3.9% in tier
Total Loans ?	$777.6M +0.7% YoY +1.2% QoQ	-$1.2B	$2.0B +0.6% YoY	$2.2B +7.7% YoY	$3.2B +10.7% YoY	Bottom 13.0% in tier
Total Deposits ?	$732.2M +3.7% YoY -2.1% QoQ	-$1.6B	$2.3B -0.3% YoY	$2.6B +7.1% YoY	$4.8B +8.0% YoY	Bottom 1.0% in tier
Return on Assets ?	0.10% +62.0% YoY +58.9% QoQ	-1.27%	1.37% +19.6% YoY	1.46% +26.2% YoY	1.24% +13.1% YoY	Bottom 2.8% in tier
Net Interest Margin ?	2.35% +6.8% YoY +3.8% QoQ	-1.47%	3.82% +6.9% YoY	3.32% +8.7% YoY	3.89% +5.7% YoY	Bottom 4.0% in tier
Efficiency Ratio ?	95.57% +5.3% YoY +3.4% QoQ	+34.52%	61.05% -4.6% YoY	69.09% -7.7% YoY	66.84% -3.8% YoY	Bottom 1.4% in tier
Delinquency Rate ?	1.08% +910.1% YoY -0.4% QoQ	+0.19%	0.89% +14.1% YoY	0.92% +20.5% YoY	0.95% +18.8% YoY	24%
Loan-to-Deposit Ratio ?	106.20% -2.9% YoY +3.4% QoQ	+22.00%	84.20% +0.3% YoY	83.35% -0.2% YoY	76.69% +0.9% YoY	Bottom 6.6% in tier
Non-Interest-Bearing Deposit Share ?	11.20% -3.8% YoY -0.5% QoQ	-10.08%	21.28% -2.5% YoY	17.71% -0.1% YoY	22.01% -1.1% YoY	Bottom 14.7% in tier
Nonperforming Asset Ratio ?	0.80% +872.6% YoY -0.9% QoQ	+0.13%	0.67% +15.6% YoY	0.67% +14.7% YoY	0.66% +19.3% YoY	27%
Tier 1 Capital Ratio ?	9.77% -1.0% YoY +0.5% QoQ	-5.39%	15.17% +2.0% YoY	20.10% +0.3% YoY	17.06% +0.8% YoY	Bottom 3.2% in tier
Non-Interest Income / Assets ?	0.11% -11.4% YoY -61.4% QoQ	-0.15%	0.26% +1.6% YoY	0.69% +18.0% YoY	0.32% +4.0% YoY	36%

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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 (3)

Capital Thin

risk

#32 of 221 • Bottom 14.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.77%

(Tier: 15.17%, National: 17.06%)

worse than tier avg

221 of 221 Mid-Market banks match · 925 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Liquidity Strain

risk

#163 of 334 • Bottom 48.5% 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: 106.20%

(Tier: 84.20%, National: 76.69%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank declining

Efficiency Drag

risk

#56 of 74 • Bottom 74.3% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 95.57%

(Tier: 61.05%, National: 66.84%)

worse than tier avg

74 of 74 Mid-Market banks match · 492 nationally

→ Stable +2 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 883 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (10 metrics)

875

Total Deposits

size

Value: $732.22M

Peer Median: $2.34B

#875 of 883 Bottom 1.0% in $1B-$10B

872

Efficiency Ratio

profitability

Value: 95.57%

Peer Median: 61.05%

#872 of 883 Bottom 1.4% in $1B-$10B

859

Return on Assets

profitability

Value: 0.10%

Peer Median: 1.37%

#859 of 883 Bottom 2.8% in $1B-$10B

856

Tier 1 Capital Ratio

capital

Value: 9.77%

Peer Median: 15.17%

#856 of 883 Bottom 3.2% in $1B-$10B

850

Total Assets

size

Value: $1.04B

Peer Median: $2.82B

#850 of 883 Bottom 3.9% in $1B-$10B

849

Net Interest Margin

profitability

Value: 2.35%

Peer Median: 3.82%

#849 of 883 Bottom 4.0% in $1B-$10B

826

Loan-to-Deposit Ratio

liquidity

Value: 106.20%

Peer Median: 84.20%

#826 of 883 Bottom 6.6% in $1B-$10B

769

Total Loans

size

Value: $777.63M

Peer Median: $1.97B

#769 of 883 Bottom 13.0% in $1B-$10B

754

Non-Interest-Bearing Deposit Share

funding

Value: 11.20%

Peer Median: 21.28%

#754 of 883 Bottom 14.7% in $1B-$10B

665

Delinquency Rate

credit_quality

Value: 1.08%

Peer Median: 0.89%

#665 of 879 Bottom 24.5% in $1B-$10B