BlastPoint's Banking Scorecard
Compass Savings Bank
Designations: ✓ Community bank ✓ Mutual
Wilmerding, 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 -6.3% year over year ($48.2M on the books).
- Delinquency rate 0.13%.
- Return on assets -0.33%.
- Efficiency ratio 118.84% vs a 119.40% peer average.
- Loan-to-deposit ratio 103.68% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Compass Savings Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 0.55% below tier average
- + Delinquency Rate 1.35% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 2.24% below tier average
- - Efficiency Ratio 0.55% below tier average
- - Loan-to-Deposit Ratio 29.47% above tier average
- - ROA 1.33% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$53.5M
-7.4% YoY
-0.9% QoQ
|
-$8.9M |
$62.4M
-0.0% YoY
|
$3.1B
+7.3% YoY
|
$6.3B
+7.7% YoY
|
36% |
| Total Loans ? |
$50.0M
-2.1% YoY
+1.8% QoQ
|
+$15.1M |
$34.9M
-0.6% YoY
|
$2.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
76% |
| Total Deposits ? |
$48.2M
-6.3% YoY
-0.4% QoQ
|
-$3.4M |
$51.6M
-0.2% YoY
|
$2.6B
+7.1% YoY
|
$4.9B
+7.3% YoY
|
42% |
| Return on Assets ? |
-0.33%
+61.6% YoY
+0.3% QoQ
|
-1.33% |
1.00%
+3.5% YoY
|
1.63%
+26.6% YoY
|
1.30%
+12.1% YoY
|
Bottom 10.1% in tier |
| Net Interest Margin ? |
1.67%
+33.4% YoY
+0.3% QoQ
|
-2.24% |
3.91%
+2.3% YoY
|
3.40%
+8.7% YoY
|
3.95%
+4.9% YoY
|
Bottom 2.8% in tier |
| Efficiency Ratio ? |
118.84%
-27.7% YoY
-0.1% QoQ
|
-0.55% |
119.40%
+49.6% YoY
|
66.68%
-6.6% YoY
|
70.05%
+2.5% YoY
|
Bottom 7.5% in tier |
| Delinquency Rate ? |
0.13%
-48.2% YoY
+56.7% QoQ
|
-1.35% |
1.48%
+31.8% YoY
|
0.92%
+32.0% YoY
|
0.98%
+16.3% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
103.68%
+4.4% YoY
+2.2% QoQ
|
+29.47% |
74.21%
+12.6% YoY
|
84.75%
+0.9% YoY
|
79.03%
+2.3% YoY
|
Bottom 6.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.27%
+5.6% YoY
+19.5% QoQ
|
-12.22% |
23.49%
+0.6% YoY
|
18.04%
+1.4% YoY
|
21.98%
-0.6% YoY
|
16% |
| Nonperforming Asset Ratio ? |
0.13%
-75.6% YoY
+61.0% QoQ
|
-0.71% |
0.84%
+23.0% YoY
|
0.67%
+21.3% YoY
|
0.69%
+15.8% YoY
|
59% |
| Tier 1 Capital Ratio ? |
14.17%
+28.3% YoY
-4.3% QoQ
|
-12.95% |
27.13%
+3.0% YoY
|
19.93%
+0.1% YoY
|
17.09%
+0.8% YoY
|
42% |
| Non-Interest Income / Assets ? |
0.07%
-12.3% YoY
+96.8% QoQ
|
-1.31% |
1.38%
+6.3% YoY
|
1.47%
+21.0% YoY
|
0.66%
+5.2% YoY
|
27% |
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 |
11.3%
+0.6pp YoY +1.8pp QoQ |
-13.4pp | 24.6% | 18.7% | 22.2% | 12% |
| 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 |
0.5%
+0.1pp YoY 0.0pp QoQ |
-12.9pp | 13.4% | 8.6% | 12.5% | 2% |
| CRE |
2.2%
+0.1pp YoY +0.7pp QoQ |
-23.0pp | 25.2% | 37.9% | 41.4% | 0% |
| 1-4 Family |
96.2%
+0.6pp YoY -0.4pp QoQ |
+61.2pp | 35.0% | 47.8% | 31.3% | 99% |
| Consumer |
1.7%
-0.7pp YoY -0.3pp QoQ |
-6.0pp | 7.7% | 3.8% | 5.0% | 18% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.2%
+3.1pp YoY -0.6pp QoQ |
-24.5pp | 38.7% | 22.3% | 19.7% | 17% |
| Leverage Ratio |
7.3%
+1.6pp YoY 0.0pp QoQ |
-10.4pp | 17.7% | 13.2% | 12.6% | 1% |
| Total Capital Ratio |
15.3%
+3.2pp YoY -0.7pp QoQ |
-24.3pp | 39.7% | 23.3% | 20.8% | 18% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
4
-2 (-33.3%) YoY -1 (-20.0%) QoQ |
-8 | 12 | 299 | 482 | 2% |
| Assets per Employee ($) |
$13.4M
+39.0% YoY +23.9% QoQ |
+$7.2M | $6.2M | $9.2M | $8.8M | 98% |
| Branch Count |
1
-2 (-66.7%) YoY 0 QoQ |
-1 | 1 | 20 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.1%
-0.1pp YoY 0.0pp QoQ |
-1.6pp | 1.7% | 0.9% | 1.0% | 17% |
| Allowance Coverage |
4.78x
+97.0% YoY -37.3% QoQ |
-1.63x | 6.41x | 3.63x | 20.23x | 79% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-4.6%
+9.5pp YoY 0.0pp QoQ |
-11.0pp | 6.4% | 10.2% | 11.6% | 8% |
| Cost of Funds (YTD) |
2.8%
-0.3pp YoY 0.0pp QoQ |
+1.4pp | 1.4% | 1.8% | 1.7% | 97% |
| Net Income ($, YTD) |
$-91000.0
+64.2% YoY — QoQ |
-$409K | $317,817 | $18.2M | $40.4M | 10% |
Get Full Access to Compass 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.