BlastPoint's Banking Scorecard

Reliance Savings Bank

$100M-$1B Specialty: Commercial PA FDIC cert 30117

Altoona, PA

9 branches across PA

2664 banks in the $100M-$1B peer group nationally 55 in PA

Reliance Savings Bank has 1 strength but faces 4 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

- Efficiency Drag: Bottom 17.9% in tier
- Liquidity Strain: Bottom 24.7% in tier
- Return on Assets 1.38% below tier average
- Net Interest Margin 0.58% 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 ?	$663.1M +1.6% YoY -1.6% QoQ	+$277.0M	$386.1M +0.5% YoY	$3.1B +7.0% YoY	$6.2B +9.1% YoY	Top 14.5% in tier
Total Loans ?	$484.9M +4.0% YoY +1.4% QoQ	+$229.2M	$255.7M +1.1% YoY	$2.2B +7.7% YoY	$3.2B +10.8% YoY	Top 12.5% in tier
Total Deposits ?	$520.6M +0.3% YoY -1.9% QoQ	+$192.6M	$328.0M +0.1% YoY	$2.6B +7.1% YoY	$4.8B +8.2% YoY	81%
Return on Assets ?	-0.11% -124.4% YoY -122.8% QoQ	-1.38%	1.27% +12.9% YoY	1.46% +26.2% YoY	1.23% +13.4% YoY	Bottom 3.0% in tier
Net Interest Margin ?	3.35% +11.5% YoY +4.2% QoQ	-0.58%	3.93% +6.0% YoY	3.32% +8.7% YoY	3.89% +5.7% YoY	24%
Efficiency Ratio ?	101.19% +27.1% YoY +33.2% QoQ	+35.90%	65.29% -4.5% YoY	69.09% -7.7% YoY	66.95% -4.1% YoY	Bottom 2.3% in tier
Delinquency Rate ?	0.21% -84.8% YoY -39.1% QoQ	-0.68%	0.89% +18.8% YoY	0.92% +20.5% YoY	0.95% +18.8% YoY	64%
Loan-to-Deposit Ratio ?	93.14% +3.7% YoY +3.4% QoQ	+16.50%	76.64% +0.8% YoY	83.35% -0.2% YoY	76.70% +0.9% YoY	18%
Non-Interest-Bearing Deposit Share ?	22.34% +4.4% YoY +9.2% QoQ	+0.32%	22.02% -1.0% YoY	17.71% -0.1% YoY	22.01% -1.2% YoY	56%
Nonperforming Asset Ratio ?	0.15% -84.5% YoY -37.2% QoQ	-0.49%	0.64% +19.7% YoY	0.67% +14.7% YoY	0.67% +19.3% YoY	64%
Tier 1 Capital Ratio ?	14.11% -7.9% YoY -10.5% QoQ	-1.72%	15.83% +1.5% YoY	20.10% +0.3% YoY	17.06% +0.8% YoY	58%
Non-Interest Income / Assets ?	0.12% -13.5% YoY -77.2% QoQ	-0.16%	0.28% +9.3% YoY	0.69% +18.0% YoY	0.32% +4.1% YoY	64%

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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 (2)

Efficiency Drag

risk

#75 of 414 • Bottom 17.9% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 101.19%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable

Liquidity Strain

risk

#160 of 643 • Bottom 24.7% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 93.14%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

334

Total Loans

size

Value: $484.87M

Peer Median: $255.72M

#334 of 2664 Top 12.5% in $100M-$1B

387

Total Assets

size

Value: $663.08M

Peer Median: $386.08M

#387 of 2664 Top 14.5% in $100M-$1B

496

Total Deposits

size

Value: $520.58M

Peer Median: $327.97M

#496 of 2664 Top 18.6% in $100M-$1B

Top Weaknesses (4 metrics)

2605

Efficiency Ratio

profitability

Value: 101.19%

Peer Median: 65.29%

#2605 of 2664 Bottom 2.3% in $100M-$1B

2584

Return on Assets

profitability

Value: -0.11%

Peer Median: 1.27%

#2584 of 2664 Bottom 3.0% in $100M-$1B

2185

Loan-to-Deposit Ratio

liquidity

Value: 93.14%

Peer Median: 76.64%

#2185 of 2664 Bottom 18.0% in $100M-$1B

2024

Net Interest Margin

profitability

Value: 3.35%

Peer Median: 3.93%

#2024 of 2664 Bottom 24.1% in $100M-$1B