BlastPoint's Banking Scorecard

First Resource Bank

$100M-$1B Specialty: Commercial PA FDIC cert 57967

Exton, PA

3 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 +24.8% year over year ($749.9M on the books).
Delinquency rate 0.12%.
Return on assets 1.37%.
Efficiency ratio 53.17% vs a 64.48% peer average.
Loan-to-deposit ratio 96.16% 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) →

First Resource Bank has 2 strengths but faces 1 concern

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

+ Efficiency Ratio 11.31% below tier average
+ Delinquency Rate 0.80% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 15.8% in tier

Get updates when First Resource 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 ?	$840.9M +20.6% YoY +3.7% QoQ	+$454.3M	$386.6M +1.2% YoY	$3.1B +7.3% YoY	$6.3B +7.7% YoY	Top 6.1% in tier
Total Loans ?	$721.1M +16.3% YoY +3.0% QoQ	+$462.8M	$258.3M +1.7% YoY	$2.3B +8.0% YoY	$3.2B +9.4% YoY	Top 1.8% in tier
Total Deposits ?	$749.9M +24.8% YoY +3.8% QoQ	+$423.2M	$326.7M +0.7% YoY	$2.6B +7.1% YoY	$4.9B +7.3% YoY	Top 4.5% in tier
Return on Assets ?	1.37% +23.8% YoY +4.6% QoQ	+0.04%	1.32% +10.8% YoY	1.63% +26.6% YoY	1.30% +12.1% YoY	57%
Net Interest Margin ?	3.98% +11.6% YoY +3.9% QoQ	-0.01%	3.99% +5.0% YoY	3.40% +8.7% YoY	3.95% +4.9% YoY	52%
Efficiency Ratio ?	53.17% -10.2% YoY -1.0% QoQ	-11.31%	64.48% -3.2% YoY	66.68% -6.6% YoY	70.05% +2.5% YoY	76%
Delinquency Rate ?	0.12% +252.3% YoY -71.8% QoQ	-0.80%	0.92% +15.7% YoY	0.92% +32.0% YoY	0.98% +16.3% YoY	72%
Loan-to-Deposit Ratio ?	96.16% -6.8% YoY -0.7% QoQ	+18.21%	77.95% +1.0% YoY	84.75% +0.9% YoY	79.03% +2.3% YoY	Bottom 14.7% in tier
Non-Interest-Bearing Deposit Share ?	17.28% +3.4% YoY +0.5% QoQ	-4.75%	22.03% -0.6% YoY	18.04% +1.4% YoY	21.98% -0.6% YoY	33%
Nonperforming Asset Ratio ?	0.10% +239.7% YoY -72.0% QoQ	-0.56%	0.67% +16.4% YoY	0.67% +21.3% YoY	0.69% +15.8% YoY	71%
Tier 1 Capital Ratio ?	10.94% +6.0% YoY +1.5% QoQ	-4.97%	15.91% +1.4% YoY	19.93% +0.1% YoY	17.09% +0.8% YoY	22%
Non-Interest Income / Assets ?	0.12% +12.6% YoY +73.6% QoQ	-0.45%	0.57% +7.6% YoY	1.47% +21.0% YoY	0.66% +5.2% YoY	24%

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	17.3% +0.6pp YoY +0.1pp QoQ	-4.9pp	22.1%	18.7%	22.2%	33%
Brokered Deposits	13.1% +3.6pp YoY -1.2pp QoQ	+5.2pp	7.9%	6.8%	8.5%	82%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
C&I	5.7% -1.4pp YoY -0.6pp QoQ	-5.9pp	11.6%	8.6%	12.5%	24%
CRE	65.6% +4.3pp YoY +0.8pp QoQ	+26.1pp	39.5%	37.9%	41.4%	90%
1-4 Family	29.1% -2.9pp YoY -0.2pp QoQ	-3.5pp	32.6%	47.8%	31.3%	49%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-4.1pp	4.1%	3.8%	5.0%	3%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
CET1 Ratio	10.9% +0.6pp YoY +0.2pp QoQ	-7.9pp	18.8%	22.3%	19.7%	7%
Leverage Ratio	8.6% +0.2pp YoY +0.2pp QoQ	-3.6pp	12.2%	13.2%	12.6%	7%
Total Capital Ratio	11.8% -0.5pp YoY +0.2pp QoQ	-8.1pp	19.9%	23.3%	20.8%	6%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Full-Time Employees	81 +13 (+19.1%) YoY +4 (+5.2%) QoQ	+22	58	299	482	77%
Assets per Employee ($)	$10.4M +1.3% YoY -1.4% QoQ	+$2.9M	$7.5M	$9.2M	$8.8M	88%
Branch Count	3 0 YoY 0 QoQ	-2	4	20	18	26%

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 -0.3pp QoQ	-0.8pp	0.9%	0.9%	1.0%	21%
Allowance Coverage	6.51x -70.4% YoY +269.9% QoQ	-17.64x	24.15x	3.63x	20.23x	75%
Net Charge-off Rate (YTD)	-0.0% -0.4pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	24%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
ROE	16.8% +2.8pp YoY +0.6pp QoQ	+4.6pp	12.2%	10.2%	11.6%	76%
Cost of Funds (YTD)	2.3% -0.3pp YoY 0.0pp QoQ	+0.6pp	1.7%	1.8%	1.7%	84%
Net Income ($, YTD)	$5.6M +50.2% YoY — QoQ	+$3.1M	$2.6M	$18.2M	$40.4M	90%

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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 (1)

Credit Quality Pressure

risk

#199 of 1256 • Bottom 15.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.12%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

Total Loans

size

Value: $721.12M

Peer Median: $258.35M

#49 of 2643 Top 1.8% in $100M-$1B

119

Total Deposits

size

Value: $749.91M

Peer Median: $326.73M

#119 of 2643 Top 4.5% in $100M-$1B

161

Total Assets

size

Value: $840.92M

Peer Median: $386.57M

#161 of 2643 Top 6.1% in $100M-$1B

627

Efficiency Ratio

profitability

Value: 53.17%

Peer Median: 64.48%

#627 of 2643 Top 23.7% in $100M-$1B

Top Weaknesses (3 metrics)

2256

Loan-to-Deposit Ratio

liquidity

Value: 96.16%

Peer Median: 77.95%

#2256 of 2643 Bottom 14.7% in $100M-$1B

2052

Tier 1 Capital Ratio

capital

Value: 10.94%

Peer Median: 15.91%

#2052 of 2643 Bottom 22.4% in $100M-$1B

2005

Non-Interest Income / Assets

revenue_mix

Value: 0.12%

Peer Median: 0.57%

#2005 of 2643 Bottom 24.2% in $100M-$1B