BlastPoint's Banking Scorecard
Huntingdon Savings Bank
Designations: ✓ Community bank ✓ Mutual
Huntingdon, 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 -1.0% year over year ($13.8M on the books).
- Delinquency rate 3.60%.
- Return on assets 0.29%.
- Efficiency ratio 82.73% vs a 119.40% peer average.
- Loan-to-deposit ratio 102.96% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Huntingdon Savings Bank has 1 strength but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 36.67% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.32% below tier average
- - Delinquency Rate 2.12% above tier average
- - Loan-to-Deposit Ratio 28.75% above tier average
- - Non-Interest-Bearing Deposit Share 23.49% below tier average
- - Nonperforming Asset Ratio 2.02% above tier average
- - Non-Interest Income / Assets 1.36% below tier average
- - ROA 0.70% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$17.9M
-0.4% YoY
+1.4% QoQ
|
-$44.5M |
$62.4M
-0.0% YoY
|
$3.1B
+7.3% YoY
|
$6.3B
+7.7% YoY
|
Bottom 3.5% in tier |
| Total Loans ? |
$14.2M
+5.5% YoY
+3.6% QoQ
|
-$20.7M |
$34.9M
-0.6% YoY
|
$2.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
17% |
| Total Deposits ? |
$13.8M
-1.0% YoY
+1.7% QoQ
|
-$37.8M |
$51.6M
-0.2% YoY
|
$2.6B
+7.1% YoY
|
$4.9B
+7.3% YoY
|
Bottom 6.0% in tier |
| Return on Assets ? |
0.29%
+161.4% YoY
-24.0% QoQ
|
-0.70% |
1.00%
+3.5% YoY
|
1.63%
+26.6% YoY
|
1.30%
+12.1% YoY
|
20% |
| Net Interest Margin ? |
2.59%
+12.0% YoY
-0.6% QoQ
|
-1.32% |
3.91%
+2.3% YoY
|
3.40%
+8.7% YoY
|
3.95%
+4.9% YoY
|
Bottom 7.6% in tier |
| Efficiency Ratio ? |
82.73%
-11.0% YoY
+6.8% QoQ
|
-36.67% |
119.40%
+49.6% YoY
|
66.68%
-6.6% YoY
|
70.05%
+2.5% YoY
|
26% |
| Delinquency Rate ? |
3.60%
+613.9% YoY
+637.6% QoQ
|
+2.12% |
1.48%
+31.8% YoY
|
0.92%
+32.0% YoY
|
0.98%
+16.3% YoY
|
Bottom 9.5% in tier |
| Loan-to-Deposit Ratio ? |
102.96%
+6.5% YoY
+1.9% QoQ
|
+28.75% |
74.21%
+12.6% YoY
|
84.75%
+0.9% YoY
|
79.03%
+2.3% YoY
|
Bottom 7.1% in tier |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -23.49% |
23.49%
+0.6% YoY
|
18.04%
+1.4% YoY
|
21.98%
-0.6% YoY
|
Bottom 4.7% in tier |
| Nonperforming Asset Ratio ? |
2.86%
+655.8% YoY
+653.4% QoQ
|
+2.02% |
0.84%
+23.0% YoY
|
0.67%
+21.3% YoY
|
0.69%
+15.8% YoY
|
Bottom 5.2% in tier |
| Tier 1 Capital Ratio ? |
47.35%
-2.4% YoY
-5.8% QoQ
|
+20.22% |
27.13%
+3.0% YoY
|
19.93%
+0.1% YoY
|
17.09%
+0.8% YoY
|
Top 8.2% in tier |
| Non-Interest Income / Assets ? |
0.02%
+0.4% YoY
+47.9% QoQ
|
-1.36% |
1.38%
+6.3% YoY
|
1.47%
+21.0% YoY
|
0.66%
+5.2% YoY
|
Bottom 6.0% in tier |
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 | n/a | n/a | 24.6% | 18.7% | 22.2% | n/a |
| 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 |
3.9%
-0.2pp QoQ |
-21.3pp | 25.2% | 37.9% | 41.4% | 4% |
| 1-4 Family |
96.8%
0.0pp YoY +0.2pp QoQ |
+61.8pp | 35.0% | 47.8% | 31.3% | 99% |
| Consumer | n/a | n/a | 7.7% | 3.8% | 5.0% | n/a |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
47.4%
-1.2pp YoY -2.9pp QoQ |
+8.7pp | 38.7% | 22.3% | 19.7% | 86% |
| Leverage Ratio |
22.7%
+0.5pp YoY -0.3pp QoQ |
+5.0pp | 17.7% | 13.2% | 12.6% | 89% |
| Total Capital Ratio |
48.5%
-1.2pp YoY -3.0pp QoQ |
+8.8pp | 39.7% | 23.3% | 20.8% | 86% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
2
0 YoY 0 QoQ |
-10 | 12 | 299 | 482 | 0% |
| Assets per Employee ($) |
$8.9M
-0.4% YoY +1.4% QoQ |
+$2.8M | $6.2M | $9.2M | $8.8M | 87% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 20 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 2.0% | +1.0pp | 1.0% | 0.2% | 0.4% | 88% |
| Nonaccrual |
1.6%
+1.1pp YoY +1.1pp QoQ |
-0.1pp | 1.7% | 0.9% | 1.0% | 69% |
| Allowance Coverage |
0.18x
-86.7% YoY -86.9% QoQ |
-6.23x | 6.41x | 3.63x | 20.23x | 3% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
1.3%
+0.8pp YoY -0.4pp QoQ |
-5.1pp | 6.4% | 10.2% | 11.6% | 16% |
| Cost of Funds (YTD) |
2.4%
-0.2pp YoY +0.1pp QoQ |
+0.9pp | 1.4% | 1.8% | 1.7% | 89% |
| Net Income ($, YTD) |
$26,000
+160.0% YoY — QoQ |
-$292K | $317,817 | $18.2M | $40.4M | 15% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.