BlastPoint's Banking Scorecard
CFSBANK
Charleroi, PA
10 branches across PA
CFSBANK has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.69% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 45.3% in tier
- - Return on Assets 1.11% below tier average
- - Net Interest Margin 1.77% below tier average
- - Efficiency Ratio 28.13% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$752.5M
-0.4% YoY
+0.9% QoQ
|
+$366.4M |
$386.1M
+0.5% YoY
|
$3.1B
+7.0% YoY
|
$6.2B
+9.1% YoY
|
Top 10.3% in tier |
| Total Loans ? |
$474.8M
+6.9% YoY
+1.8% QoQ
|
+$219.1M |
$255.7M
+1.1% YoY
|
$2.2B
+7.7% YoY
|
$3.2B
+10.8% YoY
|
Top 13.3% in tier |
| Total Deposits ? |
$648.3M
+1.2% YoY
+1.7% QoQ
|
+$320.3M |
$328.0M
+0.1% YoY
|
$2.6B
+7.1% YoY
|
$4.8B
+8.2% YoY
|
Top 9.8% in tier |
| Return on Assets ? |
0.16%
-0.9% YoY
-20.5% QoQ
|
-1.11% |
1.27%
+12.9% YoY
|
1.46%
+26.2% YoY
|
1.23%
+13.4% YoY
|
Bottom 5.7% in tier |
| Net Interest Margin ? |
2.16%
+15.4% YoY
+7.7% QoQ
|
-1.77% |
3.93%
+6.0% YoY
|
3.32%
+8.7% YoY
|
3.89%
+5.7% YoY
|
Bottom 1.3% in tier |
| Efficiency Ratio ? |
93.42%
+2.4% YoY
+2.2% QoQ
|
+28.13% |
65.29%
-4.5% YoY
|
69.09%
-7.7% YoY
|
66.95%
-4.1% YoY
|
Bottom 4.6% in tier |
| Delinquency Rate ? |
0.20%
-25.7% YoY
-26.1% QoQ
|
-0.69% |
0.89%
+18.8% YoY
|
0.92%
+20.5% YoY
|
0.95%
+18.8% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
73.25%
+5.7% YoY
+0.1% QoQ
|
-3.39% |
76.64%
+0.8% YoY
|
83.35%
-0.2% YoY
|
76.70%
+0.9% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
14.79%
-4.9% YoY
+2.5% QoQ
|
-7.23% |
22.02%
-1.0% YoY
|
17.71%
-0.1% YoY
|
22.01%
-1.2% YoY
|
23% |
| Nonperforming Asset Ratio ? |
0.13%
-19.3% YoY
-24.5% QoQ
|
-0.50% |
0.64%
+19.7% YoY
|
0.67%
+14.7% YoY
|
0.67%
+19.3% YoY
|
66% |
| Tier 1 Capital Ratio ? |
20.07%
-4.5% YoY
-1.9% QoQ
|
+4.24% |
15.83%
+1.5% YoY
|
20.10%
+0.3% YoY
|
17.06%
+0.8% YoY
|
Top 13.4% in tier |
| Non-Interest Income / Assets ? |
0.13%
-2.0% YoY
-80.7% QoQ
|
-0.15% |
0.28%
+9.3% YoY
|
0.69%
+18.0% YoY
|
0.32%
+4.1% YoY
|
67% |
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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 (0)
Concerns (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.