BlastPoint's Banking Scorecard
First Federal Savings and Loan Association of Greene Co
Designations: ✓ Community bank ✓ Mutual
Waynesburg, PA
7 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 885 banks in the $1B-$10B peer group nationwide — 1 of 37 in PA.
- Deposits +1.7% year over year ($871.8M on the books).
- Delinquency rate 0.54%.
- Return on assets 0.49%.
- Efficiency ratio 78.17% vs a 59.73% peer average.
- Loan-to-deposit ratio 83.13% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Federal Savings and Loan Association of Greene Co has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.33% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 4.7% in tier
- - Flatlined Growth: Bottom 17.3% in tier
- - Return on Assets 0.90% below tier average
- - Net Interest Margin 1.06% below tier average
- - Efficiency Ratio 18.45% above tier average
- - Non-Interest-Bearing Deposit Share 16.37% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+1.8% YoY
-0.7% QoQ
|
-$1.8B |
$2.8B
-0.6% YoY
|
$3.1B
+7.3% YoY
|
$6.3B
+7.7% YoY
|
Bottom 3.1% in tier |
| Total Loans ? |
$724.7M
+7.0% YoY
+2.8% QoQ
|
-$1.2B |
$2.0B
-0.3% YoY
|
$2.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
Bottom 8.9% in tier |
| Total Deposits ? |
$871.8M
+1.7% YoY
-0.6% QoQ
|
-$1.4B |
$2.3B
-0.5% YoY
|
$2.6B
+7.1% YoY
|
$4.9B
+7.3% YoY
|
Bottom 4.7% in tier |
| Return on Assets ? |
0.49%
+46.2% YoY
+3.1% QoQ
|
-0.90% |
1.39%
+17.0% YoY
|
1.63%
+26.6% YoY
|
1.30%
+12.1% YoY
|
Bottom 7.2% in tier |
| Net Interest Margin ? |
2.81%
+9.7% YoY
+3.8% QoQ
|
-1.06% |
3.87%
+6.2% YoY
|
3.40%
+8.7% YoY
|
3.95%
+4.9% YoY
|
Bottom 9.4% in tier |
| Efficiency Ratio ? |
78.17%
-11.1% YoY
+1.1% QoQ
|
+18.45% |
59.73%
-12.6% YoY
|
66.68%
-6.6% YoY
|
70.05%
+2.5% YoY
|
Bottom 8.5% in tier |
| Delinquency Rate ? |
0.54%
-0.3% YoY
-13.9% QoQ
|
-0.33% |
0.87%
+11.7% YoY
|
0.92%
+32.0% YoY
|
0.98%
+16.3% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
83.13%
+5.3% YoY
+3.5% QoQ
|
-1.90% |
85.04%
-0.1% YoY
|
84.75%
+0.9% YoY
|
79.03%
+2.3% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
4.91%
+9.2% YoY
-2.2% QoQ
|
-16.37% |
21.27%
-1.5% YoY
|
18.04%
+1.4% YoY
|
21.98%
-0.6% YoY
|
Bottom 4.1% in tier |
| Nonperforming Asset Ratio ? |
0.41%
+9.9% YoY
-10.1% QoQ
|
-0.27% |
0.67%
+11.7% YoY
|
0.67%
+21.3% YoY
|
0.69%
+15.8% YoY
|
51% |
| Tier 1 Capital Ratio ? |
31.68%
-4.1% YoY
-0.5% QoQ
|
+16.84% |
14.84%
-0.4% YoY
|
19.93%
+0.1% YoY
|
17.09%
+0.8% YoY
|
Top 1.9% in tier |
| Non-Interest Income / Assets ? |
0.11%
+4.8% YoY
+103.9% QoQ
|
-0.42% |
0.53%
+2.5% YoY
|
1.47%
+21.0% YoY
|
0.66%
+5.2% YoY
|
Bottom 10.7% in tier |
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 |
4.9%
+0.4pp YoY -0.1pp QoQ |
-16.5pp | 21.4% | 18.7% | 22.2% | 4% |
| Brokered Deposits | n/a | n/a | 9.5% | 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 | n/a | n/a | 14.0% | 8.6% | 12.5% | n/a |
| CRE |
5.4%
0.0pp QoQ |
-44.6pp | 50.0% | 37.9% | 41.4% | 1% |
| 1-4 Family |
94.4%
-0.9pp YoY 0.0pp QoQ |
+67.9pp | 26.4% | 47.8% | 31.3% | 99% |
| Consumer |
0.5%
+0.1pp YoY 0.0pp QoQ |
-4.2pp | 4.7% | 3.8% | 5.0% | 31% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
31.7%
-1.4pp YoY -0.2pp QoQ |
+16.1pp | 15.6% | 22.3% | 19.7% | 98% |
| Leverage Ratio |
15.4%
0.0pp YoY -0.1pp QoQ |
+4.1pp | 11.3% | 13.2% | 12.6% | 93% |
| Total Capital Ratio |
32.1%
-1.3pp YoY -0.1pp QoQ |
+15.4pp | 16.7% | 23.3% | 20.8% | 98% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
131
0 YoY +1 (+0.8%) QoQ |
-183 | 313 | 299 | 482 | 17% |
| Assets per Employee ($) |
$7.9M
+1.8% YoY -1.5% QoQ |
-$2.6M | $10.5M | $9.2M | $8.8M | 38% |
| Branch Count |
7
0 YoY 0 QoQ |
-13 | 20 | 20 | 18 | 17% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.2% | 0.4% | 34% |
| Nonaccrual |
0.5%
0.0pp YoY -0.1pp QoQ |
-0.3pp | 0.8% | 0.9% | 1.0% | 51% |
| Allowance Coverage |
0.47x
+22.1% YoY +19.0% QoQ |
-18.24x | 18.71x | 3.63x | 20.23x | 6% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.3% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
3.2%
+1.0pp YoY +0.1pp QoQ |
-9.3pp | 12.6% | 10.2% | 11.6% | 4% |
| Cost of Funds (YTD) |
1.4%
-0.1pp YoY 0.0pp QoQ |
-0.5pp | 1.9% | 1.8% | 1.7% | 18% |
| Net Income ($, YTD) |
$2.5M
+48.1% YoY — QoQ |
-$16.7M | $19.2M | $18.2M | $40.4M | 5% |
Get Full Access to First Federal Savings and Loan Association of Greene Co
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
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 (0)
Concerns (2)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.