BlastPoint's Banking Scorecard

Meridian Bank

$1B-$10B Specialty: Commercial PA FDIC cert 57777

Designations: ✓ Community bank

Wayne, PA

7 branches across PA · FL

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 885 banks in the $1B-$10B peer group nationwide — 1 of 37 in PA.
Deposits +4.0% year over year ($2.2B on the books).
Delinquency rate 3.71%.
Return on assets 0.76%.
Efficiency ratio 64.37% vs a 59.73% peer average.
Loan-to-deposit ratio 100.52% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 37 in PA

View $1B-$10B leaderboard (PA) →

Meridian Bank faces 6 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 11.7% in tier
- Liquidity Strain: Bottom 44.9% in tier
- Delinquency Rate 2.84% above tier average
- Nonperforming Asset Ratio 2.63% above tier average
- ROA 0.63% below tier average
- Efficiency Ratio 4.64% above tier average

Get updates when Meridian 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 ?	$2.6B +3.2% YoY +0.6% QoQ	-$201.7M	$2.8B -0.6% YoY	$3.1B +7.3% YoY	$6.3B +7.7% YoY	63%
Total Loans ?	$2.2B +3.8% YoY +0.6% QoQ	+$248.2M	$2.0B -0.3% YoY	$2.3B +8.0% YoY	$3.2B +9.4% YoY	72%
Total Deposits ?	$2.2B +4.0% YoY +1.2% QoQ	-$118.8M	$2.3B -0.5% YoY	$2.6B +7.1% YoY	$4.9B +7.3% YoY	64%
Return on Assets ?	0.76% -7.1% YoY +66.1% QoQ	-0.63%	1.39% +17.0% YoY	1.63% +26.6% YoY	1.30% +12.1% YoY	16%
Net Interest Margin ?	3.92% +7.0% YoY -1.3% QoQ	+0.05%	3.87% +6.2% YoY	3.40% +8.7% YoY	3.95% +4.9% YoY	63%
Efficiency Ratio ?	64.37% +0.6% YoY +0.9% QoQ	+4.64%	59.73% -12.6% YoY	66.68% -6.6% YoY	70.05% +2.5% YoY	33%
Delinquency Rate ?	3.71% +56.5% YoY +39.1% QoQ	+2.84%	0.87% +11.7% YoY	0.92% +32.0% YoY	0.98% +16.3% YoY	Bottom 2.5% in tier
Loan-to-Deposit Ratio ?	100.52% -0.3% YoY -0.7% QoQ	+15.48%	85.04% -0.1% YoY	84.75% +0.9% YoY	79.03% +2.3% YoY	Bottom 13.1% in tier
Non-Interest-Bearing Deposit Share ?	11.45% +0.4% YoY +0.7% QoQ	-9.82%	21.27% -1.5% YoY	18.04% +1.4% YoY	21.98% -0.6% YoY	Bottom 14.5% in tier
Nonperforming Asset Ratio ?	3.31% +62.0% YoY +36.8% QoQ	+2.63%	0.67% +11.7% YoY	0.67% +21.3% YoY	0.69% +15.8% YoY	Bottom 2.0% in tier
Tier 1 Capital Ratio ?	9.72% +4.3% YoY +1.5% QoQ	-5.12%	14.84% -0.4% YoY	19.93% +0.1% YoY	17.09% +0.8% YoY	Bottom 3.5% in tier
Non-Interest Income / Assets ?	0.65% -10.8% YoY +138.2% QoQ	+0.13%	0.53% +2.5% YoY	1.47% +21.0% YoY	0.66% +5.2% YoY	Top 11.9% in tier

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	11.5% 0.0pp YoY +0.1pp QoQ	-9.9pp	21.4%	18.7%	22.2%	14%
Brokered Deposits	22.4% -1.7pp YoY -0.2pp QoQ	+13.0pp	9.5%	6.8%	8.5%	90%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
C&I	21.2% +0.5pp YoY -0.4pp QoQ	+7.1pp	14.0%	8.6%	12.5%	82%
CRE	50.9% +1.3pp YoY -0.4pp QoQ	+0.9pp	50.0%	37.9%	41.4%	54%
1-4 Family	26.8% -0.7pp YoY +1.1pp QoQ	+0.4pp	26.4%	47.8%	31.3%	59%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-4.7pp	4.7%	3.8%	5.0%	3%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	22.3%	19.7%	n/a
Leverage Ratio	9.7% +0.4pp YoY +0.1pp QoQ	-1.6pp	11.3%	13.2%	12.6%	29%
Total Capital Ratio	n/a	n/a	16.7%	23.3%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Full-Time Employees	327 +14 (+4.5%) YoY +16 (+5.1%) QoQ	+13	313	299	482	69%
Assets per Employee ($)	$7.9M -1.2% YoY -4.3% QoQ	-$2.6M	$10.5M	$9.2M	$8.8M	38%
Branch Count	7 +1 (+16.7%) YoY 0 QoQ	-13	20	20	18	17%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.2%	0.4%	n/a
Nonaccrual	3.7% +1.3pp YoY +1.0pp QoQ	+2.9pp	0.8%	0.9%	1.0%	98%
Allowance Coverage	0.26x -36.6% YoY -27.8% QoQ	-18.45x	18.71x	3.63x	20.23x	2%
Net Charge-off Rate (YTD)	0.9% +0.3pp YoY -0.5pp QoQ	+0.7pp	0.3%	0.1%	0.2%	96%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
ROE	8.0% -1.1pp YoY +3.1pp QoQ	-4.6pp	12.6%	10.2%	11.6%	19%
Cost of Funds (YTD)	2.7% -0.4pp YoY 0.0pp QoQ	+0.8pp	1.9%	1.8%	1.7%	90%
Net Income ($, YTD)	$9.8M -3.2% YoY — QoQ	-$9.5M	$19.2M	$18.2M	$40.4M	38%

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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 (0)

No matched strength signatures this quarter

Concerns (2)

Capital Thin

risk

#27 of 222 • Bottom 11.7% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.72%

(Tier: 14.84%, National: 17.09%)

worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank declining

Liquidity Strain

risk

#163 of 361 • Bottom 44.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 100.52%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

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 885 peers in $1B-$10B

Top Strengths (1 metrics)

106

Non-Interest Income / Assets

revenue_mix

Value: 0.65%

Peer Median: 0.53%

#106 of 885 Top 11.9% in $1B-$10B

Top Weaknesses (6 metrics)

868

Nonperforming Asset Ratio

credit_quality

Value: 3.31%

Peer Median: 0.67%

#868 of 885 Bottom 2.0% in $1B-$10B

861

Delinquency Rate

credit_quality

Value: 3.71%

Peer Median: 0.87%

#861 of 882 Bottom 2.5% in $1B-$10B

855

Tier 1 Capital Ratio

capital

Value: 9.72%

Peer Median: 14.84%

#855 of 885 Bottom 3.5% in $1B-$10B

770

Loan-to-Deposit Ratio

liquidity

Value: 100.52%

Peer Median: 85.04%

#770 of 885 Bottom 13.1% in $1B-$10B

758

Non-Interest-Bearing Deposit Share

funding

Value: 11.45%

Peer Median: 21.27%

#758 of 885 Bottom 14.5% in $1B-$10B

741

Return on Assets

profitability

Value: 0.76%

Peer Median: 1.39%

#741 of 885 Bottom 16.4% in $1B-$10B