BlastPoint's Banking Scorecard

County Savings Bank

under $100M Specialty: Mortgage PA FDIC cert 29231

Designations: ✓ Community bank ✓ Mutual

Essington, PA

3 branches across PA

537 banks in the under $100M peer group nationally 10 in PA

County Savings Bank has 2 strengths 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 1.36% below tier average
+ Nonperforming Asset Ratio 0.77% below tier average

Key Concerns

Areas that may need attention

- ROA 0.68% below tier average
- Net Interest Margin 0.51% below tier average
- Efficiency Ratio 6.73% above tier average

Get updates when County Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$89.6M -7.9% YoY +0.6% QoQ	+$27.4M	$62.3M -0.5% YoY	$3.1B +7.0% YoY	$6.2B +9.0% YoY	Top 13.0% in tier
Total Loans ?	$53.8M +1.7% YoY -0.5% QoQ	+$19.5M	$34.3M -1.5% YoY	$2.2B +7.7% YoY	$3.2B +10.7% YoY	81%
Total Deposits ?	$81.5M -8.9% YoY +0.5% QoQ	+$29.7M	$51.8M -0.6% YoY	$2.6B +7.1% YoY	$4.8B +8.0% YoY	Top 6.7% in tier
Return on Assets ?	0.18% +22.7% YoY -7.1% QoQ	-0.68%	0.86% -3.6% YoY	1.46% +26.2% YoY	1.24% +13.1% YoY	18%
Net Interest Margin ?	3.36% +7.8% YoY +3.9% QoQ	-0.51%	3.87% +2.7% YoY	3.32% +8.7% YoY	3.89% +5.7% YoY	26%
Efficiency Ratio ?	94.36% +0.6% YoY +2.5% QoQ	+6.73%	87.63% +2.3% YoY	69.09% -7.7% YoY	66.84% -3.8% YoY	16%
Delinquency Rate ?	0.00%	-1.36%	1.36% +33.7% YoY	0.92% +20.5% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	65.95% +11.6% YoY -1.0% QoQ	+1.84%	64.11% -0.9% YoY	83.35% -0.2% YoY	76.69% +0.9% YoY	50%
Non-Interest-Bearing Deposit Share ?	15.09% +11.8% YoY +8.3% QoQ	-8.69%	23.79% +0.5% YoY	17.71% -0.1% YoY	22.01% -1.1% YoY	25%
Nonperforming Asset Ratio ?	0.00%	-0.77%	0.77% +28.7% YoY	0.67% +14.7% YoY	0.66% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	19.73% +3.3% YoY -0.4% QoQ	-7.04%	26.77% +2.0% YoY	20.10% +0.3% YoY	17.06% +0.8% YoY	68%
Non-Interest Income / Assets ?	0.05% +16.7% YoY -74.7% QoQ	-0.62%	0.67% +1.6% YoY	0.69% +18.0% YoY	0.32% +4.0% 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 (0)

No matched concern signatures this quarter

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 537 peers in under $100M

Top Strengths (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.36%

#1 of 517 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.77%

#1 of 537 Top 0.1% in under $100M

Total Deposits

size

Value: $81.51M

Peer Median: $51.83M

#37 of 537 Top 6.7% in under $100M

Total Assets

size

Value: $89.63M

Peer Median: $62.28M

#71 of 537 Top 13.0% in under $100M

101

Total Loans

size

Value: $53.76M

Peer Median: $34.29M

#101 of 537 Top 18.6% in under $100M

Top Weaknesses (3 metrics)

454

Efficiency Ratio

profitability

Value: 94.36%

Peer Median: 87.63%

#454 of 537 Bottom 15.6% in under $100M

439

Return on Assets

profitability

Value: 0.18%

Peer Median: 0.86%

#439 of 537 Bottom 18.4% in under $100M

406

Non-Interest-Bearing Deposit Share

funding

Value: 15.09%

Peer Median: 23.79%

#406 of 537 Bottom 24.6% in under $100M