BlastPoint's Banking Scorecard
Greenville Savings Bank
Designations: ✓ Mutual
Greenville, 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 -0.8% year over year ($256.4M on the books).
- Delinquency rate 0.18%.
- Return on assets 0.72%.
- Efficiency ratio 68.42% vs a 64.48% peer average.
- Loan-to-deposit ratio 107.14% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Greenville Savings Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.74% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.11% below tier average
- - Loan-to-Deposit Ratio 29.19% above tier average
- - Non-Interest-Bearing Deposit Share 12.93% below tier average
- - ROA 0.60% below tier average
- - Efficiency Ratio 3.94% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$342.7M
+2.7% YoY
+0.2% QoQ
|
-$43.8M |
$386.6M
+1.2% YoY
|
$3.1B
+7.3% YoY
|
$6.3B
+7.7% YoY
|
53% |
| Total Loans ? |
$274.7M
+5.7% YoY
+1.3% QoQ
|
+$16.4M |
$258.3M
+1.7% YoY
|
$2.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
63% |
| Total Deposits ? |
$256.4M
-0.8% YoY
-1.3% QoQ
|
-$70.3M |
$326.7M
+0.7% YoY
|
$2.6B
+7.1% YoY
|
$4.9B
+7.3% YoY
|
46% |
| Return on Assets ? |
0.72%
+159.4% YoY
+23.7% QoQ
|
-0.60% |
1.32%
+10.8% YoY
|
1.63%
+26.6% YoY
|
1.30%
+12.1% YoY
|
20% |
| Net Interest Margin ? |
2.87%
+23.5% YoY
+3.1% QoQ
|
-1.11% |
3.99%
+5.0% YoY
|
3.40%
+8.7% YoY
|
3.95%
+4.9% YoY
|
Bottom 7.0% in tier |
| Efficiency Ratio ? |
68.42%
-19.8% YoY
-3.8% QoQ
|
+3.94% |
64.48%
-3.2% YoY
|
66.68%
-6.6% YoY
|
70.05%
+2.5% YoY
|
34% |
| Delinquency Rate ? |
0.18%
-46.1% YoY
-25.5% QoQ
|
-0.74% |
0.92%
+15.7% YoY
|
0.92%
+32.0% YoY
|
0.98%
+16.3% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
107.14%
+6.6% YoY
+2.6% QoQ
|
+29.19% |
77.95%
+1.0% YoY
|
84.75%
+0.9% YoY
|
79.03%
+2.3% YoY
|
Bottom 4.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.10%
-3.4% YoY
+2.3% QoQ
|
-12.93% |
22.03%
-0.6% YoY
|
18.04%
+1.4% YoY
|
21.98%
-0.6% YoY
|
Bottom 8.9% in tier |
| Nonperforming Asset Ratio ? |
0.14%
-58.3% YoY
-27.3% QoQ
|
-0.53% |
0.67%
+16.4% YoY
|
0.67%
+21.3% YoY
|
0.69%
+15.8% YoY
|
66% |
| Tier 1 Capital Ratio ? |
12.84%
+1.8% YoY
+1.7% QoQ
|
-3.07% |
15.91%
+1.4% YoY
|
19.93%
+0.1% YoY
|
17.09%
+0.8% YoY
|
45% |
| Non-Interest Income / Assets ? |
0.12%
+78.3% YoY
+145.2% QoQ
|
-0.44% |
0.57%
+7.6% YoY
|
1.47%
+21.0% YoY
|
0.66%
+5.2% YoY
|
26% |
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 |
9.1%
-0.3pp YoY +0.2pp QoQ |
-13.1pp | 22.1% | 18.7% | 22.2% | 8% |
| 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 |
2.1%
-0.3pp YoY -0.1pp QoQ |
-9.5pp | 11.6% | 8.6% | 12.5% | 7% |
| CRE |
11.3%
-0.9pp YoY +0.6pp QoQ |
-28.2pp | 39.5% | 37.9% | 41.4% | 6% |
| 1-4 Family |
86.1%
+1.0pp YoY -0.1pp QoQ |
+53.5pp | 32.6% | 47.8% | 31.3% | 98% |
| Consumer |
1.1%
+0.1pp YoY -0.4pp QoQ |
-3.0pp | 4.1% | 3.8% | 5.0% | 31% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.3% | 19.7% | n/a |
| Leverage Ratio |
12.8%
+0.2pp YoY +0.2pp QoQ |
+0.7pp | 12.2% | 13.2% | 12.6% | 74% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
43
-1 (-2.3%) YoY +1 (+2.4%) QoQ |
-16 | 58 | 299 | 482 | 45% |
| Assets per Employee ($) |
$8.0M
+5.1% YoY -2.1% QoQ |
+$452K | $7.5M | $9.2M | $8.8M | 68% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 20 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
-0.2pp YoY -0.1pp QoQ |
-0.1pp | 0.3% | 0.2% | 0.4% | 62% |
| Nonaccrual | n/a | n/a | 0.9% | 0.9% | 1.0% | n/a |
| Allowance Coverage |
3.49x
+75.5% YoY +30.3% QoQ |
-20.66x | 24.15x | 3.63x | 20.23x | 62% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 54% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.7%
+3.5pp YoY +1.0pp QoQ |
-6.5pp | 12.2% | 10.2% | 11.6% | 16% |
| Cost of Funds (YTD) |
2.1%
-0.2pp YoY 0.0pp QoQ |
+0.4pp | 1.7% | 1.8% | 1.7% | 76% |
| Net Income ($, YTD) |
$1.2M
+167.7% YoY — QoQ |
-$1.3M | $2.6M | $18.2M | $40.4M | 34% |
Get Full Access to Greenville Savings Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.