BlastPoint's Banking Scorecard

CFSBANK

$100M-$1B Specialty: Mortgage PA FDIC cert 29672

Charleroi, PA

10 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 55 in PA.
Deposits -10.5% year over year ($642.2M on the books).
Delinquency rate 0.24%.
Return on assets 0.21%.
Efficiency ratio 90.40% vs a 64.48% peer average.
Loan-to-deposit ratio 77.07% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 55 in PA

View $100M-$1B leaderboard (PA) →

CFSBANK has 1 strength but faces 7 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 0.68% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 12.4% in tier
- Deposit Outflow: Bottom 27.8% in tier
- Credit Risk Growth: Bottom 40.5% in tier
- Liquidity Overhang: Bottom 43.5% in tier
- Return on Assets 1.11% below tier average
- Net Interest Margin 1.79% below tier average
- Efficiency Ratio 25.92% above tier average

Get updates when CFSBANK releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$773.4M -6.5% YoY +2.8% QoQ	+$386.8M	$386.6M +1.2% YoY	$3.1B +7.3% YoY	$6.3B +7.7% YoY	Top 9.2% in tier
Total Loans ?	$495.0M +10.3% YoY +4.2% QoQ	+$236.6M	$258.3M +1.7% YoY	$2.3B +8.0% YoY	$3.2B +9.4% YoY	Top 12.0% in tier
Total Deposits ?	$642.2M -10.5% YoY -0.9% QoQ	+$315.5M	$326.7M +0.7% YoY	$2.6B +7.1% YoY	$4.9B +7.3% YoY	Top 9.9% in tier
Return on Assets ?	0.21% -5.1% YoY +37.3% QoQ	-1.11%	1.32% +10.8% YoY	1.63% +26.6% YoY	1.30% +12.1% YoY	Bottom 5.8% in tier
Net Interest Margin ?	2.20% +15.3% YoY +1.7% QoQ	-1.79%	3.99% +5.0% YoY	3.40% +8.7% YoY	3.95% +4.9% YoY	Bottom 1.3% in tier
Efficiency Ratio ?	90.40% +2.4% YoY -3.2% QoQ	+25.92%	64.48% -3.2% YoY	66.68% -6.6% YoY	70.05% +2.5% YoY	Bottom 5.5% in tier
Delinquency Rate ?	0.24% +6.9% YoY +19.5% QoQ	-0.68%	0.92% +15.7% YoY	0.92% +32.0% YoY	0.98% +16.3% YoY	62%
Loan-to-Deposit Ratio ?	77.07% +23.2% YoY +5.2% QoQ	-0.88%	77.95% +1.0% YoY	84.75% +0.9% YoY	79.03% +2.3% YoY	56%
Non-Interest-Bearing Deposit Share ?	14.67% +6.2% YoY -0.8% QoQ	-7.36%	22.03% -0.6% YoY	18.04% +1.4% YoY	21.98% -0.6% YoY	23%
Nonperforming Asset Ratio ?	0.15% +19.9% YoY +14.9% QoQ	-0.52%	0.67% +16.4% YoY	0.67% +21.3% YoY	0.69% +15.8% YoY	65%
Tier 1 Capital Ratio ?	19.55% -6.8% YoY -2.6% QoQ	+3.64%	15.91% +1.4% YoY	19.93% +0.1% YoY	17.09% +0.8% YoY	Top 14.8% in tier
Non-Interest Income / Assets ?	0.33% +13.3% YoY +155.9% QoQ	-0.23%	0.57% +7.6% YoY	1.47% +21.0% YoY	0.66% +5.2% YoY	77%

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	14.7% +0.9pp YoY -0.1pp QoQ	-7.5pp	22.1%	18.7%	22.2%	22%
Brokered Deposits	19.2% +4.6pp YoY -1.8pp QoQ	+11.3pp	7.9%	6.8%	8.5%	89%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
C&I	3.8% -0.5pp YoY -0.1pp QoQ	-7.7pp	11.6%	8.6%	12.5%	13%
CRE	14.4% -0.7pp YoY -0.3pp QoQ	-25.2pp	39.5%	37.9%	41.4%	10%
1-4 Family	78.1% -2.2pp YoY -1.1pp QoQ	+45.5pp	32.6%	47.8%	31.3%	96%
Consumer	4.1% +3.3pp YoY +1.5pp QoQ	-0.1pp	4.1%	3.8%	5.0%	70%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
CET1 Ratio	19.6% -1.4pp YoY -0.5pp QoQ	+0.7pp	18.8%	22.3%	19.7%	76%
Leverage Ratio	11.0% +1.0pp YoY -0.2pp QoQ	-1.2pp	12.2%	13.2%	12.6%	49%
Total Capital Ratio	20.1% -1.5pp YoY -0.5pp QoQ	+0.2pp	19.9%	23.3%	20.8%	74%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Full-Time Employees	107 +12 (+12.6%) YoY +6 (+5.9%) QoQ	+48	58	299	482	89%
Assets per Employee ($)	$7.2M -17.0% YoY -3.0% QoQ	-$290K	$7.5M	$9.2M	$8.8M	56%
Branch Count	10 0 YoY 0 QoQ	+5	4	20	18	90%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.2%	0.4%	n/a
Nonaccrual	0.2% 0.0pp YoY 0.0pp QoQ	-0.7pp	0.9%	0.9%	1.0%	33%
Allowance Coverage	1.93x -24.7% YoY -19.2% QoQ	-22.23x	24.15x	3.63x	20.23x	46%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	48%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
ROE	2.2% -0.3pp YoY +0.6pp QoQ	-10.0pp	12.2%	10.2%	11.6%	6%
Cost of Funds (YTD)	2.2% -0.2pp YoY 0.0pp QoQ	+0.5pp	1.7%	1.8%	1.7%	82%
Net Income ($, YTD)	$813,000 -6.8% YoY — QoQ	-$1.7M	$2.6M	$18.2M	$40.4M	20%

Get Full Access to CFSBANK

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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 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 (4)

Credit Quality Pressure

risk

#157 of 1256 • Bottom 12.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.24%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

Deposit Outflow

decline

#150 of 535 • Bottom 27.8% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ

Credit Risk Growth

risk

#380 of 936 • Bottom 40.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ

Liquidity Overhang

risk

#324 of 742 • Bottom 43.5% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 19.55%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 77.07%

(Tier: 77.95%, National: 79.03%)

better than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

245

Total Assets

size

Value: $773.38M

Peer Median: $386.57M

#245 of 2643 Top 9.2% in $100M-$1B

263

Total Deposits

size

Value: $642.22M

Peer Median: $326.73M

#263 of 2643 Top 9.9% in $100M-$1B

317

Total Loans

size

Value: $494.96M

Peer Median: $258.35M

#317 of 2643 Top 12.0% in $100M-$1B

391

Tier 1 Capital Ratio

capital

Value: 19.55%

Peer Median: 15.91%

#391 of 2643 Top 14.8% in $100M-$1B

606

Non-Interest Income / Assets

revenue_mix

Value: 0.33%

Peer Median: 0.57%

#606 of 2643 Top 22.9% in $100M-$1B

Top Weaknesses (4 metrics)

2610

Net Interest Margin

profitability

Value: 2.20%

Peer Median: 3.99%

#2610 of 2643 Bottom 1.3% in $100M-$1B

2499

Efficiency Ratio

profitability

Value: 90.40%

Peer Median: 64.48%

#2499 of 2643 Bottom 5.5% in $100M-$1B

2491

Return on Assets

profitability

Value: 0.21%

Peer Median: 1.32%

#2491 of 2643 Bottom 5.8% in $100M-$1B

2042

Non-Interest-Bearing Deposit Share

funding

Value: 14.67%

Peer Median: 22.03%

#2042 of 2643 Bottom 22.8% in $100M-$1B