BlastPoint's Banking Scorecard

PS Bank

$100M-$1B Specialty: Commercial PA FDIC cert 444

Wyalusing, PA

11 branches across PA

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

PS Bank shows strong momentum with 5 strengths and 10.8% YoY asset growth

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

+ Profitability Leader: Top 27.9% in tier
+ Revenue Diversifier: Top 49.9% in tier
+ Net Interest Margin 0.16% above tier average
+ Efficiency Ratio 16.78% below tier average
+ Delinquency Rate 0.85% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when PS Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$662.5M +10.8% YoY +3.4% QoQ	+$276.4M	$386.1M +0.5% YoY	$3.1B +7.0% YoY	$6.2B +9.1% YoY	Top 14.6% in tier
Total Loans ?	$425.1M +6.3% YoY +1.2% QoQ	+$169.4M	$255.7M +1.1% YoY	$2.2B +7.7% YoY	$3.2B +10.8% YoY	82%
Total Deposits ?	$578.8M +10.2% YoY +3.4% QoQ	+$250.9M	$328.0M +0.1% YoY	$2.6B +7.1% YoY	$4.8B +8.2% YoY	Top 14.0% in tier
Return on Assets ?	1.93% +37.7% YoY +16.8% QoQ	+0.66%	1.27% +12.9% YoY	1.46% +26.2% YoY	1.23% +13.4% YoY	Top 14.4% in tier
Net Interest Margin ?	4.09% +14.9% YoY +6.2% QoQ	+0.16%	3.93% +6.0% YoY	3.32% +8.7% YoY	3.89% +5.7% YoY	62%
Efficiency Ratio ?	48.51% -11.4% YoY -5.7% QoQ	-16.78%	65.29% -4.5% YoY	69.09% -7.7% YoY	66.95% -4.1% YoY	Top 13.3% in tier
Delinquency Rate ?	0.04% -90.0% YoY -73.4% QoQ	-0.85%	0.89% +18.8% YoY	0.92% +20.5% YoY	0.95% +18.8% YoY	81%
Loan-to-Deposit Ratio ?	73.45% -3.5% YoY -2.1% QoQ	-3.19%	76.64% +0.8% YoY	83.35% -0.2% YoY	76.70% +0.9% YoY	60%
Non-Interest-Bearing Deposit Share ?	28.09% -0.2% YoY +5.0% QoQ	+6.07%	22.02% -1.0% YoY	17.71% -0.1% YoY	22.01% -1.2% YoY	76%
Nonperforming Asset Ratio ?	0.02% -90.4% YoY -73.9% QoQ	-0.61%	0.64% +19.7% YoY	0.67% +14.7% YoY	0.67% +19.3% YoY	83%
Tier 1 Capital Ratio ?	11.18% +3.4% YoY +1.1% QoQ	-4.65%	15.83% +1.5% YoY	20.10% +0.3% YoY	17.06% +0.8% YoY	25%
Non-Interest Income / Assets ?	0.16% +7.7% YoY -75.0% QoQ	-0.12%	0.28% +9.3% YoY	0.69% +18.0% YoY	0.32% +4.1% YoY	77%

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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 (2)

Profitability Leader

growth

#187 of 666 • Top 27.9% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.93%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Revenue Diversifier

growth

#333 of 666 • Top 49.9% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.16%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 1.93%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 (9 metrics)

354

Efficiency Ratio

profitability

Value: 48.51%

Peer Median: 65.29%

#354 of 2664 Top 13.3% in $100M-$1B

374

Total Deposits

size

Value: $578.82M

Peer Median: $327.97M

#374 of 2664 Top 14.0% in $100M-$1B

385

Return on Assets

profitability

Value: 1.93%

Peer Median: 1.27%

#385 of 2664 Top 14.4% in $100M-$1B

391

Total Assets

size

Value: $662.46M

Peer Median: $386.08M

#391 of 2664 Top 14.6% in $100M-$1B

465

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.64%

#465 of 2664 Top 17.4% in $100M-$1B

479

Total Loans

size

Value: $425.13M

Peer Median: $255.72M

#479 of 2664 Top 17.9% in $100M-$1B

497

Delinquency Rate

credit_quality

Value: 0.04%

Peer Median: 0.89%

#497 of 2654 Top 18.7% in $100M-$1B

605

Non-Interest Income / Assets

revenue_mix

Value: 0.16%

Peer Median: 0.28%

#605 of 2664 Top 22.7% in $100M-$1B

629

Non-Interest-Bearing Deposit Share

funding

Value: 28.09%

Peer Median: 22.02%

#629 of 2664 Top 23.6% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available