BlastPoint's Banking Scorecard
First Federal Savings and Loan Association of Greene Co
Designations: ✓ Community bank ✓ Mutual
Waynesburg, PA
7 branches across PA
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 0.26% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 5.8% in tier
- - Credit Risk Growth: Bottom 22.1% in tier
- - Return on Assets 0.89% below tier average
- - Net Interest Margin 1.11% below tier average
- - Non-Interest-Bearing Deposit Share 16.27% below tier average
- - Efficiency Ratio 16.26% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+2.6% YoY
+2.8% QoQ
|
-$1.8B |
$2.8B
-0.1% YoY
|
$3.1B
+7.0% YoY
|
$6.2B
+9.1% YoY
|
Bottom 3.6% in tier |
| Total Loans ? |
$705.0M
+4.8% YoY
+0.6% QoQ
|
-$1.3B |
$2.0B
+0.6% YoY
|
$2.2B
+7.7% YoY
|
$3.2B
+10.8% YoY
|
Bottom 8.3% in tier |
| Total Deposits ? |
$877.4M
+2.5% YoY
+2.9% QoQ
|
-$1.5B |
$2.3B
-0.3% YoY
|
$2.6B
+7.1% YoY
|
$4.8B
+8.2% YoY
|
Bottom 4.8% in tier |
| Return on Assets ? |
0.47%
+55.2% YoY
+59.0% QoQ
|
-0.89% |
1.37%
+19.6% YoY
|
1.46%
+26.2% YoY
|
1.23%
+13.4% YoY
|
Bottom 8.5% in tier |
| Net Interest Margin ? |
2.71%
+9.4% YoY
+2.6% QoQ
|
-1.11% |
3.82%
+6.9% YoY
|
3.32%
+8.7% YoY
|
3.89%
+5.7% YoY
|
Bottom 8.0% in tier |
| Efficiency Ratio ? |
77.32%
-13.5% YoY
-10.4% QoQ
|
+16.26% |
61.06%
-4.6% YoY
|
69.09%
-7.7% YoY
|
66.95%
-4.1% YoY
|
Bottom 11.4% in tier |
| Delinquency Rate ? |
0.63%
+33.0% YoY
-9.7% QoQ
|
-0.26% |
0.89%
+14.1% YoY
|
0.92%
+20.5% YoY
|
0.95%
+18.8% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
80.35%
+2.2% YoY
-2.3% QoQ
|
-3.85% |
84.20%
+0.3% YoY
|
83.35%
-0.2% YoY
|
76.70%
+0.9% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
5.02%
+12.4% YoY
+12.2% QoQ
|
-16.27% |
21.29%
-2.5% YoY
|
17.71%
-0.1% YoY
|
22.01%
-1.2% YoY
|
Bottom 4.8% in tier |
| Nonperforming Asset Ratio ? |
0.45%
+42.3% YoY
-12.1% QoQ
|
-0.22% |
0.67%
+15.6% YoY
|
0.67%
+14.7% YoY
|
0.67%
+19.3% YoY
|
48% |
| Tier 1 Capital Ratio ? |
31.84%
-4.4% YoY
-0.8% QoQ
|
+16.68% |
15.16%
+2.0% YoY
|
20.10%
+0.3% YoY
|
17.06%
+0.8% YoY
|
Top 1.8% in tier |
| Non-Interest Income / Assets ? |
0.05%
+0.6% YoY
-75.8% QoQ
|
-0.21% |
0.26%
+1.6% YoY
|
0.69%
+18.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 10.7% in tier |
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.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.