BlastPoint's Banking Scorecard

Huntingdon Savings Bank

under $100M Specialty: Mortgage PA FDIC cert 30031

Designations: ✓ Community bank ✓ Mutual

Huntingdon, PA

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

Huntingdon Savings Bank has 2 strengths but faces 5 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

+ Efficiency Ratio 10.15% below tier average
+ Delinquency Rate 0.87% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 1.26% below tier average
- Loan-to-Deposit Ratio 36.97% above tier average
- Non-Interest-Bearing Deposit Share 23.79% below tier average
- Non-Interest Income / Assets 0.66% below tier average
- ROA 0.47% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$17.6M -0.8% YoY +1.0% QoQ	-$44.6M	$62.3M -0.5% YoY	$3.1B +7.0% YoY	$6.2B +9.0% YoY	Bottom 3.5% in tier
Total Loans ?	$13.7M +1.6% YoY -0.2% QoQ	-$20.6M	$34.3M -1.5% YoY	$2.2B +7.7% YoY	$3.2B +10.7% YoY	16%
Total Deposits ?	$13.6M -1.5% YoY +1.1% QoQ	-$38.3M	$51.8M -0.6% YoY	$2.6B +7.1% YoY	$4.8B +8.0% YoY	Bottom 5.4% in tier
Return on Assets ?	0.39% +113.9% YoY +80.4% QoQ	-0.47%	0.86% -3.6% YoY	1.46% +26.2% YoY	1.24% +13.1% YoY	25%
Net Interest Margin ?	2.61% +16.7% YoY +9.6% QoQ	-1.26%	3.87% +2.7% YoY	3.32% +8.7% YoY	3.89% +5.7% YoY	Bottom 8.8% in tier
Efficiency Ratio ?	77.48% -12.5% YoY -11.4% QoQ	-10.15%	87.63% +2.3% YoY	69.09% -7.7% YoY	66.84% -3.8% YoY	39%
Delinquency Rate ?	0.49% -55.4% YoY -39.5% QoQ	-0.87%	1.36% +33.7% YoY	0.92% +20.5% YoY	0.95% +18.8% YoY	48%
Loan-to-Deposit Ratio ?	101.08% +3.2% YoY -1.3% QoQ	+36.97%	64.11% -0.9% YoY	83.35% -0.2% YoY	76.69% +0.9% YoY	Bottom 6.5% in tier
Non-Interest-Bearing Deposit Share ?	0.00%	-23.79%	23.79% +0.5% YoY	17.71% -0.1% YoY	22.01% -1.1% YoY	Bottom 4.7% in tier
Nonperforming Asset Ratio ?	0.38% -54.4% YoY -40.2% QoQ	-0.39%	0.77% +28.7% YoY	0.67% +14.7% YoY	0.66% +19.3% YoY	44%
Tier 1 Capital Ratio ?	50.25% +3.6% YoY +2.7% QoQ	+23.48%	26.77% +2.0% YoY	20.10% +0.3% YoY	17.06% +0.8% YoY	Top 7.3% in tier
Non-Interest Income / Assets ?	0.01% +0.8% YoY -67.0% QoQ	-0.66%	0.67% +1.6% YoY	0.69% +18.0% YoY	0.32% +4.0% YoY	Bottom 6.7% in tier

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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 (1 metrics)

Tier 1 Capital Ratio

capital

Value: 50.25%

Peer Median: 26.77%

#40 of 537 Top 7.3% in under $100M

Top Weaknesses (8 metrics)

519

Total Assets

size

Value: $17.64M

Peer Median: $62.28M

#519 of 537 Bottom 3.5% in under $100M

513

Non-Interest-Bearing Deposit Share

funding

Value: 0.00%

Peer Median: 23.79%

#513 of 537 Bottom 4.7% in under $100M

509

Total Deposits

size

Value: $13.57M

Peer Median: $51.83M

#509 of 537 Bottom 5.4% in under $100M

503

Loan-to-Deposit Ratio

liquidity

Value: 101.08%

Peer Median: 64.11%

#503 of 537 Bottom 6.5% in under $100M

502

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.67%

#502 of 537 Bottom 6.7% in under $100M

491

Net Interest Margin

profitability

Value: 2.61%

Peer Median: 3.87%

#491 of 537 Bottom 8.8% in under $100M

451

Total Loans

size

Value: $13.71M

Peer Median: $34.29M

#451 of 537 Bottom 16.2% in under $100M

404

Return on Assets

profitability

Value: 0.39%

Peer Median: 0.86%

#404 of 537 Bottom 25.0% in under $100M