BlastPoint's Banking Scorecard
First Resource Bank
Exton, PA
3 branches across PA
First Resource Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 11.57% below tier average
- + Delinquency Rate 0.45% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 47.4% in tier
- - Net Interest Margin 0.10% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$811.0M
+20.1% YoY
-0.8% QoQ
|
+$424.9M |
$386.1M
+0.5% YoY
|
$3.1B
+7.0% YoY
|
$6.2B
+9.1% YoY
|
Top 7.7% in tier |
| Total Loans ? |
$700.0M
+16.6% YoY
+3.9% QoQ
|
+$444.2M |
$255.7M
+1.1% YoY
|
$2.2B
+7.7% YoY
|
$3.2B
+10.8% YoY
|
Top 2.3% in tier |
| Total Deposits ? |
$722.6M
+25.7% YoY
-1.0% QoQ
|
+$394.7M |
$328.0M
+0.1% YoY
|
$2.6B
+7.1% YoY
|
$4.8B
+8.2% YoY
|
Top 5.5% in tier |
| Return on Assets ? |
1.31%
+23.8% YoY
+10.4% QoQ
|
+0.04% |
1.27%
+12.9% YoY
|
1.46%
+26.2% YoY
|
1.23%
+13.4% YoY
|
56% |
| Net Interest Margin ? |
3.83%
+10.0% YoY
+3.7% QoQ
|
-0.10% |
3.93%
+6.0% YoY
|
3.32%
+8.7% YoY
|
3.89%
+5.7% YoY
|
48% |
| Efficiency Ratio ? |
53.72%
-9.9% YoY
-5.7% QoQ
|
-11.57% |
65.29%
-4.5% YoY
|
69.09%
-7.7% YoY
|
66.95%
-4.1% YoY
|
77% |
| Delinquency Rate ? |
0.43%
+892.3% YoY
+299.0% QoQ
|
-0.45% |
0.89%
+18.8% YoY
|
0.92%
+20.5% YoY
|
0.95%
+18.8% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
96.86%
-7.2% YoY
+5.0% QoQ
|
+20.22% |
76.64%
+0.8% YoY
|
83.35%
-0.2% YoY
|
76.70%
+0.9% YoY
|
Bottom 12.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.19%
+4.7% YoY
+0.2% QoQ
|
-4.83% |
22.02%
-1.0% YoY
|
17.71%
-0.1% YoY
|
22.01%
-1.2% YoY
|
32% |
| Nonperforming Asset Ratio ? |
0.37%
+863.3% YoY
+317.9% QoQ
|
-0.26% |
0.64%
+19.7% YoY
|
0.67%
+14.7% YoY
|
0.67%
+19.3% YoY
|
45% |
| Tier 1 Capital Ratio ? |
10.78%
+4.5% YoY
-0.8% QoQ
|
-5.05% |
15.83%
+1.5% YoY
|
20.10%
+0.3% YoY
|
17.06%
+0.8% YoY
|
20% |
| Non-Interest Income / Assets ? |
0.07%
+29.8% YoY
-61.0% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.69%
+18.0% YoY
|
0.32%
+4.1% YoY
|
30% |
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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 (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.