BlastPoint's Banking Scorecard
Sewickley Savings Bank
Designations: ✓ Mutual
Sewickley, PA
3 branches across 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 55 in PA.
- Deposits +3.6% year over year ($222.4M on the books).
- Delinquency rate 2.75%.
- Return on assets 0.82%.
- Efficiency ratio 57.94% vs a 64.48% peer average.
- Loan-to-deposit ratio 29.80% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Sewickley Savings Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 6.54% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.52% below tier average
- - Delinquency Rate 1.83% above tier average
- - Non-Interest-Bearing Deposit Share 18.39% below tier average
- - ROA 0.51% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$316.3M
+3.1% YoY
-1.1% QoQ
|
-$70.3M |
$386.6M
+1.2% YoY
|
$3.1B
+7.3% YoY
|
$6.3B
+7.7% YoY
|
49% |
| Total Loans ? |
$66.3M
+32.9% YoY
+12.3% QoQ
|
-$192.1M |
$258.3M
+1.7% YoY
|
$2.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
Bottom 6.2% in tier |
| Total Deposits ? |
$222.4M
+3.6% YoY
-1.9% QoQ
|
-$104.3M |
$326.7M
+0.7% YoY
|
$2.6B
+7.1% YoY
|
$4.9B
+7.3% YoY
|
39% |
| Return on Assets ? |
0.82%
-3.0% YoY
+9.7% QoQ
|
-0.51% |
1.32%
+10.8% YoY
|
1.63%
+26.6% YoY
|
1.30%
+12.1% YoY
|
24% |
| Net Interest Margin ? |
2.47%
+5.3% YoY
+3.6% QoQ
|
-1.52% |
3.99%
+5.0% YoY
|
3.40%
+8.7% YoY
|
3.95%
+4.9% YoY
|
Bottom 2.8% in tier |
| Efficiency Ratio ? |
57.94%
+3.5% YoY
-2.8% QoQ
|
-6.54% |
64.48%
-3.2% YoY
|
66.68%
-6.6% YoY
|
70.05%
+2.5% YoY
|
63% |
| Delinquency Rate ? |
2.75%
-12.5% QoQ
|
+1.83% |
0.92%
+15.7% YoY
|
0.92%
+32.0% YoY
|
0.98%
+16.3% YoY
|
Bottom 7.3% in tier |
| Loan-to-Deposit Ratio ? |
29.80%
+28.3% YoY
+14.5% QoQ
|
-48.15% |
77.95%
+1.0% YoY
|
84.75%
+0.9% YoY
|
79.03%
+2.3% YoY
|
Top 1.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
3.64%
-15.3% YoY
-3.0% QoQ
|
-18.39% |
22.03%
-0.6% YoY
|
18.04%
+1.4% YoY
|
21.98%
-0.6% YoY
|
Bottom 2.6% in tier |
| Nonperforming Asset Ratio ? |
0.58%
-0.6% QoQ
|
-0.09% |
0.67%
+16.4% YoY
|
0.67%
+21.3% YoY
|
0.69%
+15.8% YoY
|
36% |
| Tier 1 Capital Ratio ? |
45.40%
-20.4% YoY
-1.4% QoQ
|
+29.49% |
15.91%
+1.4% YoY
|
19.93%
+0.1% YoY
|
17.09%
+0.8% YoY
|
Top 1.2% in tier |
| Non-Interest Income / Assets ? |
0.09%
+60.4% YoY
+101.6% QoQ
|
-0.48% |
0.57%
+7.6% YoY
|
1.47%
+21.0% YoY
|
0.66%
+5.2% YoY
|
15% |
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 |
3.6%
-0.7pp YoY -0.1pp QoQ |
-18.5pp | 22.1% | 18.7% | 22.2% | 2% |
| Brokered Deposits | n/a | n/a | 7.9% | 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 |
5.6%
+2.5pp YoY -0.8pp QoQ |
-6.0pp | 11.6% | 8.6% | 12.5% | 24% |
| CRE |
41.4%
-18.0pp YoY -4.5pp QoQ |
+1.9pp | 39.5% | 37.9% | 41.4% | 56% |
| 1-4 Family |
46.0%
+13.2pp YoY +2.1pp QoQ |
+13.4pp | 32.6% | 47.8% | 31.3% | 78% |
| Consumer |
0.2%
-0.7pp YoY 0.0pp QoQ |
-4.0pp | 4.1% | 3.8% | 5.0% | 7% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
45.4%
-11.6pp YoY -0.6pp QoQ |
+26.6pp | 18.8% | 22.3% | 19.7% | 98% |
| Leverage Ratio |
23.8%
-2.0pp YoY -0.2pp QoQ |
+11.6pp | 12.2% | 13.2% | 12.6% | 98% |
| Total Capital Ratio |
45.4%
-11.6pp YoY -0.6pp QoQ |
+25.5pp | 19.9% | 23.3% | 20.8% | 98% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
25
0 YoY +1 (+4.2%) QoQ |
-34 | 58 | 299 | 482 | 19% |
| Assets per Employee ($) |
$12.7M
+3.1% YoY -5.1% QoQ |
+$5.1M | $7.5M | $9.2M | $8.8M | 94% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 20 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
2.7%
-0.4pp QoQ |
+1.8pp | 0.9% | 0.9% | 1.0% | 93% |
| Allowance Coverage |
0.30x
+13.3% QoQ |
-23.85x | 24.15x | 3.63x | 20.23x | 4% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
3.6%
0.0pp YoY +0.3pp QoQ |
-8.6pp | 12.2% | 10.2% | 11.6% | 10% |
| Cost of Funds (YTD) |
2.6%
-0.1pp YoY -0.1pp QoQ |
+0.8pp | 1.7% | 1.8% | 1.7% | 91% |
| Net Income ($, YTD) |
$1.3M
+3.4% YoY — QoQ |
-$1.3M | $2.6M | $18.2M | $40.4M | 36% |
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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.