BlastPoint's Banking Scorecard
County Savings Bank
Designations: ✓ Community bank ✓ Mutual
Essington, PA
3 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 536 banks in the under $100M peer group nationwide — 1 of 9 in PA.
- Deposits -6.8% year over year ($82.2M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.17%.
- Efficiency ratio 92.84% vs a 119.40% peer average.
- Loan-to-deposit ratio 67.46% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
County Savings Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + Efficiency Ratio 26.55% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.82% below tier average
- - Net Interest Margin 0.52% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$90.4M
-6.1% YoY
+0.8% QoQ
|
+$27.9M |
$62.4M
-0.0% YoY
|
$3.1B
+7.3% YoY
|
$6.3B
+7.7% YoY
|
Top 13.1% in tier |
| Total Loans ? |
$55.5M
+5.5% YoY
+3.2% QoQ
|
+$20.6M |
$34.9M
-0.6% YoY
|
$2.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
82% |
| Total Deposits ? |
$82.2M
-6.8% YoY
+0.9% QoQ
|
+$30.6M |
$51.6M
-0.2% YoY
|
$2.6B
+7.1% YoY
|
$4.9B
+7.3% YoY
|
Top 6.9% in tier |
| Return on Assets ? |
0.17%
+9.1% YoY
-2.9% QoQ
|
-0.82% |
1.00%
+3.5% YoY
|
1.63%
+26.6% YoY
|
1.30%
+12.1% YoY
|
15% |
| Net Interest Margin ? |
3.40%
+8.2% YoY
+1.1% QoQ
|
-0.52% |
3.91%
+2.3% YoY
|
3.40%
+8.7% YoY
|
3.95%
+4.9% YoY
|
26% |
| Efficiency Ratio ? |
92.84%
+0.2% YoY
-1.6% QoQ
|
-26.55% |
119.40%
+49.6% YoY
|
66.68%
-6.6% YoY
|
70.05%
+2.5% YoY
|
15% |
| Delinquency Rate ? | 0.00% | -1.48% |
1.48%
+31.8% YoY
|
0.92%
+32.0% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
67.46%
+13.2% YoY
+2.3% QoQ
|
-6.75% |
74.21%
+12.6% YoY
|
84.75%
+0.9% YoY
|
79.03%
+2.3% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
16.36%
+14.9% YoY
+8.4% QoQ
|
-7.13% |
23.49%
+0.6% YoY
|
18.04%
+1.4% YoY
|
21.98%
-0.6% YoY
|
27% |
| Nonperforming Asset Ratio ? | 0.00% | -0.84% |
0.84%
+23.0% YoY
|
0.67%
+21.3% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
19.43%
+0.6% YoY
-1.5% QoQ
|
-7.69% |
27.13%
+3.0% YoY
|
19.93%
+0.1% YoY
|
17.09%
+0.8% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.10%
+18.1% YoY
+109.9% QoQ
|
-1.28% |
1.38%
+6.3% YoY
|
1.47%
+21.0% YoY
|
0.66%
+5.2% YoY
|
40% |
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 |
16.4%
+2.1pp YoY +1.3pp QoQ |
-8.3pp | 24.6% | 18.7% | 22.2% | 24% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 | 13.4% | 8.6% | 12.5% | n/a |
| CRE |
14.5%
-0.7pp YoY -0.2pp QoQ |
-10.7pp | 25.2% | 37.9% | 41.4% | 29% |
| 1-4 Family |
86.1%
+0.8pp YoY +0.2pp QoQ |
+51.1pp | 35.0% | 47.8% | 31.3% | 95% |
| Consumer |
0.1%
0.0pp YoY 0.0pp QoQ |
-7.5pp | 7.7% | 3.8% | 5.0% | 2% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
19.4%
+0.1pp YoY -0.3pp QoQ |
-19.3pp | 38.7% | 22.3% | 19.7% | 43% |
| Leverage Ratio |
8.1%
+0.8pp YoY -0.1pp QoQ |
-9.6pp | 17.7% | 13.2% | 12.6% | 3% |
| Total Capital Ratio |
20.5%
+0.2pp YoY -0.3pp QoQ |
-19.1pp | 39.7% | 23.3% | 20.8% | 43% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
19
+1 (+5.6%) YoY +1 (+5.6%) QoQ |
+7 | 12 | 299 | 482 | 87% |
| Assets per Employee ($) |
$4.8M
-11.0% YoY -4.5% QoQ |
-$1.4M | $6.2M | $9.2M | $8.8M | 32% |
| Branch Count |
3
0 YoY 0 QoQ |
+1 | 1 | 20 | 18 | 89% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.2% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 0.9% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 3.63x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
2.2%
-0.1pp YoY -0.1pp QoQ |
-4.2pp | 6.4% | 10.2% | 11.6% | 19% |
| Cost of Funds (YTD) |
0.8%
0.0pp YoY 0.0pp QoQ |
-0.7pp | 1.4% | 1.8% | 1.7% | 16% |
| Net Income ($, YTD) |
$78,000
0.0% YoY — QoQ |
-$240K | $317,817 | $18.2M | $40.4M | 22% |
Get Full Access to County Savings Bank
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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.