BlastPoint's Banking Scorecard
Meridian Bank
Designations: ✓ Community bank
Wayne, PA
7 branches across PA · FL
Meridian Bank has 1 strength but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.15% above tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 6.3% in tier
- - NIB Deposit Bleed: Bottom 13.9% in tier
- - Flatlined Growth: Bottom 18.7% in tier
- - Credit Risk Growth: Bottom 29.0% in tier
- - Return on Assets 0.91% below tier average
- - Nonperforming Asset Ratio 1.74% above tier average
- - Efficiency Ratio 2.70% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.6B
+2.0% YoY
+0.6% QoQ
|
-$240.6M |
$2.8B
-0.1% YoY
|
$3.1B
+7.0% YoY
|
$6.2B
+9.1% YoY
|
62% |
| Total Loans ? |
$2.2B
+5.8% YoY
+0.8% QoQ
|
+$234.4M |
$2.0B
+0.6% YoY
|
$2.2B
+7.7% YoY
|
$3.2B
+10.8% YoY
|
72% |
| Total Deposits ? |
$2.2B
+2.0% YoY
+0.5% QoQ
|
-$169.6M |
$2.3B
-0.3% YoY
|
$2.6B
+7.1% YoY
|
$4.8B
+8.2% YoY
|
63% |
| Return on Assets ? |
0.46%
-17.4% YoY
-56.4% QoQ
|
-0.91% |
1.37%
+19.6% YoY
|
1.46%
+26.2% YoY
|
1.23%
+13.4% YoY
|
Bottom 8.4% in tier |
| Net Interest Margin ? |
3.97%
+11.5% YoY
+2.9% QoQ
|
+0.15% |
3.82%
+6.9% YoY
|
3.32%
+8.7% YoY
|
3.89%
+5.7% YoY
|
70% |
| Efficiency Ratio ? |
63.76%
-2.9% YoY
+1.9% QoQ
|
+2.70% |
61.06%
-4.6% YoY
|
69.09%
-7.7% YoY
|
66.95%
-4.1% YoY
|
38% |
| Delinquency Rate ? |
2.67%
+6.2% YoY
+5.7% QoQ
|
+1.78% |
0.89%
+14.1% YoY
|
0.92%
+20.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 6.4% in tier |
| Loan-to-Deposit Ratio ? |
101.18%
+3.8% YoY
+0.3% QoQ
|
+16.97% |
84.20%
+0.3% YoY
|
83.35%
-0.2% YoY
|
76.70%
+0.9% YoY
|
Bottom 11.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.37%
-25.8% YoY
-1.8% QoQ
|
-9.92% |
21.29%
-2.5% YoY
|
17.71%
-0.1% YoY
|
22.01%
-1.2% YoY
|
15% |
| Nonperforming Asset Ratio ? |
2.42%
+16.6% YoY
+5.5% QoQ
|
+1.74% |
0.67%
+15.6% YoY
|
0.67%
+14.7% YoY
|
0.67%
+19.3% YoY
|
Bottom 4.5% in tier |
| Tier 1 Capital Ratio ? |
9.58%
+3.1% YoY
+0.9% QoQ
|
-5.58% |
15.16%
+2.0% YoY
|
20.10%
+0.3% YoY
|
17.06%
+0.8% YoY
|
Bottom 2.1% in tier |
| Non-Interest Income / Assets ? |
0.27%
-3.5% YoY
-81.7% QoQ
|
+0.02% |
0.26%
+1.6% YoY
|
0.69%
+18.0% YoY
|
0.32%
+4.1% YoY
|
84% |
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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 (4)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.