BlastPoint's Banking Scorecard

PS Bank

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

Wyalusing, PA

11 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 +8.7% year over year ($588.0M on the books).
Delinquency rate 0.10%.
Return on assets 1.98%.
Efficiency ratio 49.49% vs a 64.48% peer average.
Loan-to-deposit ratio 74.15% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 55 in PA

View $100M-$1B leaderboard (PA) →

PS Bank shows strong momentum with 4 strengths and 9.6% 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 20.6% in tier
+ Net Interest Margin 0.21% above tier average
+ Efficiency Ratio 14.99% below tier average
+ Delinquency Rate 0.82% 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-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$674.5M +9.6% YoY +1.8% QoQ	+$288.0M	$386.6M +1.2% YoY	$3.1B +7.3% YoY	$6.3B +7.7% YoY	Top 13.9% in tier
Total Loans ?	$436.0M +8.5% YoY +2.6% QoQ	+$177.6M	$258.3M +1.7% YoY	$2.3B +8.0% YoY	$3.2B +9.4% YoY	83%
Total Deposits ?	$588.0M +8.7% YoY +1.6% QoQ	+$261.2M	$326.7M +0.7% YoY	$2.6B +7.1% YoY	$4.9B +7.3% YoY	Top 13.0% in tier
Return on Assets ?	1.98% +38.2% YoY +3.1% QoQ	+0.66%	1.32% +10.8% YoY	1.63% +26.6% YoY	1.30% +12.1% YoY	Top 13.6% in tier
Net Interest Margin ?	4.20% +14.5% YoY +2.6% QoQ	+0.21%	3.99% +5.0% YoY	3.40% +8.7% YoY	3.95% +4.9% YoY	65%
Efficiency Ratio ?	49.49% -10.4% YoY +2.0% QoQ	-14.99%	64.48% -3.2% YoY	66.68% -6.6% YoY	70.05% +2.5% YoY	84%
Delinquency Rate ?	0.10% -68.3% YoY +163.1% QoQ	-0.82%	0.92% +15.7% YoY	0.92% +32.0% YoY	0.98% +16.3% YoY	74%
Loan-to-Deposit Ratio ?	74.15% -0.2% YoY +1.0% QoQ	-3.80%	77.95% +1.0% YoY	84.75% +0.9% YoY	79.03% +2.3% YoY	62%
Non-Interest-Bearing Deposit Share ?	27.66% -0.1% YoY -1.5% QoQ	+5.63%	22.03% -0.6% YoY	18.04% +1.4% YoY	21.98% -0.6% YoY	75%
Nonperforming Asset Ratio ?	0.06% -68.7% YoY +165.0% QoQ	-0.61%	0.67% +16.4% YoY	0.67% +21.3% YoY	0.69% +15.8% YoY	77%
Tier 1 Capital Ratio ?	11.25% +3.9% YoY +0.6% QoQ	-4.66%	15.91% +1.4% YoY	19.93% +0.1% YoY	17.09% +0.8% YoY	26%
Non-Interest Income / Assets ?	0.29% -1.5% YoY +78.9% QoQ	-0.28%	0.57% +7.6% YoY	1.47% +21.0% YoY	0.66% +5.2% YoY	70%

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	27.7% 0.0pp YoY -0.4pp QoQ	+5.5pp	22.1%	18.7%	22.2%	75%
Brokered Deposits	5.1% -0.4pp YoY -0.1pp QoQ	-2.8pp	7.9%	6.8%	8.5%	53%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
C&I	14.4% -2.4pp YoY -1.0pp QoQ	+2.9pp	11.6%	8.6%	12.5%	74%
CRE	42.0% +2.0pp YoY +0.3pp QoQ	+2.4pp	39.5%	37.9%	41.4%	57%
1-4 Family	35.1% -0.8pp YoY +0.7pp QoQ	+2.5pp	32.6%	47.8%	31.3%	62%
Consumer	5.2% +1.8pp YoY +0.4pp QoQ	+1.1pp	4.1%	3.8%	5.0%	78%

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	11.2% +0.4pp YoY +0.1pp QoQ	-0.9pp	12.2%	13.2%	12.6%	54%
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	83 +5 (+6.4%) YoY +1 (+1.2%) QoQ	+24	58	299	482	79%
Assets per Employee ($)	$8.1M +3.0% YoY +0.6% QoQ	+$609K	$7.5M	$9.2M	$8.8M	69%
Branch Count	11 0 YoY 0 QoQ	+6	4	20	18	93%

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	0.1% -0.1pp YoY +0.1pp QoQ	-0.8pp	0.9%	0.9%	1.0%	18%
Allowance Coverage	12.47x +220.6% YoY -62.1% QoQ	-11.69x	24.15x	3.63x	20.23x	84%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	46%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
ROE	19.4% +4.2pp YoY +0.4pp QoQ	+7.2pp	12.2%	10.2%	11.6%	86%
Cost of Funds (YTD)	1.7% -0.2pp YoY 0.0pp QoQ	-0.1pp	1.7%	1.8%	1.7%	48%
Net Income ($, YTD)	$6.5M +52.4% YoY — QoQ	+$4.0M	$2.6M	$18.2M	$40.4M	94%

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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 (1)

Profitability Leader

growth

#137 of 661 • Top 20.6% in tier

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

Why this signature

Return on Assets: 1.98%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | 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 2643 peers in $100M-$1B

Top Strengths (7 metrics)

345

Total Deposits

size

Value: $587.96M

Peer Median: $326.73M

#345 of 2643 Top 13.0% in $100M-$1B

361

Return on Assets

profitability

Value: 1.98%

Peer Median: 1.32%

#361 of 2643 Top 13.6% in $100M-$1B

368

Total Assets

size

Value: $674.54M

Peer Median: $386.57M

#368 of 2643 Top 13.9% in $100M-$1B

422

Efficiency Ratio

profitability

Value: 49.49%

Peer Median: 64.48%

#422 of 2643 Top 15.9% in $100M-$1B

461

Total Loans

size

Value: $435.99M

Peer Median: $258.35M

#461 of 2643 Top 17.4% in $100M-$1B

619

Nonperforming Asset Ratio

credit_quality

Value: 0.06%

Peer Median: 0.67%

#619 of 2643 Top 23.4% in $100M-$1B

657

Non-Interest-Bearing Deposit Share

funding

Value: 27.66%

Peer Median: 22.03%

#657 of 2643 Top 24.8% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available