BlastPoint's Banking Scorecard
PennCrest Bank
Designations: ✓ Mutual
Altoona, PA
8 branches across PA
PennCrest Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.40% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 1.8% in tier
- - Credit Quality Pressure: Bottom 20.8% in tier
- - Efficiency Drag: Bottom 47.8% in tier
- - ROA 0.88% below tier average
- - Net Interest Margin 0.92% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$242.9M
+4.5% YoY
+1.8% QoQ
|
-$143.2M |
$386.1M
+0.5% YoY
|
$3.1B
+7.0% YoY
|
$6.2B
+9.1% YoY
|
35% |
| Total Loans ? |
$153.2M
+2.0% YoY
+0.1% QoQ
|
-$102.5M |
$255.7M
+1.1% YoY
|
$2.2B
+7.7% YoY
|
$3.2B
+10.8% YoY
|
37% |
| Total Deposits ? |
$206.7M
+4.8% YoY
+3.8% QoQ
|
-$121.3M |
$328.0M
+0.1% YoY
|
$2.6B
+7.1% YoY
|
$4.8B
+8.2% YoY
|
36% |
| Return on Assets ? |
0.39%
+57.6% YoY
-4.5% QoQ
|
-0.88% |
1.27%
+12.9% YoY
|
1.46%
+26.2% YoY
|
1.23%
+13.4% YoY
|
Bottom 10.2% in tier |
| Net Interest Margin ? |
3.01%
+7.2% YoY
+1.2% QoQ
|
-0.92% |
3.93%
+6.0% YoY
|
3.32%
+8.7% YoY
|
3.89%
+5.7% YoY
|
Bottom 11.9% in tier |
| Efficiency Ratio ? |
85.24%
-6.1% YoY
+1.5% QoQ
|
+19.95% |
65.29%
-4.5% YoY
|
69.09%
-7.7% YoY
|
66.95%
-4.1% YoY
|
Bottom 10.0% in tier |
| Delinquency Rate ? |
0.48%
+1.9% YoY
+2.1% QoQ
|
-0.40% |
0.89%
+18.8% YoY
|
0.92%
+20.5% YoY
|
0.95%
+18.8% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
74.12%
-2.7% YoY
-3.5% QoQ
|
-2.52% |
76.64%
+0.8% YoY
|
83.35%
-0.2% YoY
|
76.70%
+0.9% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
28.30%
+0.3% YoY
+3.7% QoQ
|
+6.28% |
22.02%
-1.0% YoY
|
17.71%
-0.1% YoY
|
22.01%
-1.2% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.31%
-0.6% YoY
+0.4% QoQ
|
-0.33% |
0.64%
+19.7% YoY
|
0.67%
+14.7% YoY
|
0.67%
+19.3% YoY
|
50% |
| Tier 1 Capital Ratio ? |
13.72%
-0.8% YoY
-0.9% QoQ
|
-2.11% |
15.83%
+1.5% YoY
|
20.10%
+0.3% YoY
|
17.06%
+0.8% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.12%
-2.7% YoY
-76.3% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
0.69%
+18.0% YoY
|
0.32%
+4.1% YoY
|
64% |
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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 (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.