BlastPoint's Banking Scorecard

TriState Capital Bank

$10B-$250B Specialty: Other PA FDIC cert 58457

Pittsburgh, PA

2 branches across PA

137 banks in the $10B-$250B peer group nationally 8 in PA

TriState Capital Bank has 2 strengths but faces 5 concerns

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

+ Credit Quality Leader: Top 14.7% in tier
+ Efficiency Ratio 4.67% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 12.5% in tier
- Liquidity Overhang: Bottom 25.0% in tier
- Net Interest Margin 1.78% below tier average
- Non-Interest Income / Assets 0.21% below tier average
- ROA 0.57% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$23.2B +12.3% YoY -0.4% QoQ	-$23.7B	$47.0B -1.9% YoY	$3.1B +7.0% YoY	$6.2B +9.1% YoY	45%
Total Loans ?	$18.3B +20.7% YoY +3.1% QoQ	-$11.0B	$29.4B -0.4% YoY	$2.2B +7.7% YoY	$3.2B +10.8% YoY	53%
Total Deposits ?	$21.4B +12.6% YoY -0.5% QoQ	-$17.0B	$38.4B -1.6% YoY	$2.6B +7.1% YoY	$4.8B +8.2% YoY	51%
Return on Assets ?	0.71% +1.4% YoY -8.8% QoQ	-0.57%	1.28% +18.7% YoY	1.46% +26.2% YoY	1.23% +13.4% YoY	Bottom 10.2% in tier
Net Interest Margin ?	1.99% -2.0% YoY -3.5% QoQ	-1.78%	3.77% +5.8% YoY	3.32% +8.7% YoY	3.89% +5.7% YoY	Bottom 6.6% in tier
Efficiency Ratio ?	49.33% -0.1% YoY +4.6% QoQ	-4.67%	54.01% -3.7% YoY	69.09% -7.7% YoY	66.95% -4.1% YoY	72%
Delinquency Rate ?	0.37% +25.1% YoY -23.3% QoQ	-0.65%	1.02% -3.8% YoY	0.92% +20.5% YoY	0.95% +18.8% YoY	79%
Loan-to-Deposit Ratio ?	85.77% +7.2% YoY +3.6% QoQ	+4.98%	80.79% +1.9% YoY	83.35% -0.2% YoY	76.70% +0.9% YoY	45%
Non-Interest-Bearing Deposit Share ?	2.07% +8.9% YoY -23.8% QoQ	-17.97%	20.04% +0.2% YoY	17.71% -0.1% YoY	22.01% -1.2% YoY	16%
Nonperforming Asset Ratio ?	0.29% +34.5% YoY -20.6% QoQ	-0.43%	0.72% +4.2% YoY	0.67% +14.7% YoY	0.67% +19.3% YoY	76%
Tier 1 Capital Ratio ?	18.57% +8.2% YoY +3.5% QoQ	+3.05%	15.51% -0.4% YoY	20.10% +0.3% YoY	17.06% +0.8% YoY	Top 9.5% in tier
Non-Interest Income / Assets ?	0.02% -26.9% YoY -81.8% QoQ	-0.21%	0.22% +0.3% YoY	0.69% +18.0% YoY	0.32% +4.1% YoY	Bottom 5.8% in tier

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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)

Credit Quality Leader

growth

#6 of 34 • Top 14.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.37%

(Tier: 1.02%, National: 0.95%)

better than tier avg

34 of 34 Large banks match · 922 nationally

→ Stable +2 banks QoQ

Concerns (2)

Credit Quality Pressure

risk

#10 of 72 • Bottom 12.5% in tier

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

Why this signature

Delinquency Rate: 0.37%

(Tier: 1.02%, National: 0.95%)

better than tier avg

72 of 72 Large banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Liquidity Overhang

risk

#7 of 24 • Bottom 25.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 18.57%

(Tier: 15.51%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 85.77%

(Tier: 80.79%, National: 76.70%)

worse than tier avg

24 of 24 Large banks match · 939 nationally

→ Stable +13 banks QoQ

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 137 peers in $10B-$250B

Top Strengths (3 metrics)

Tier 1 Capital Ratio

capital

Value: 18.57%

Peer Median: 15.51%

#14 of 137 Top 9.5% in $10B-$250B

Delinquency Rate

credit_quality

Value: 0.37%

Peer Median: 1.02%

#29 of 136 Top 20.6% in $10B-$250B

Nonperforming Asset Ratio

credit_quality

Value: 0.29%

Peer Median: 0.72%

#34 of 137 Top 24.1% in $10B-$250B

Top Weaknesses (4 metrics)

130

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.22%

#130 of 137 Bottom 5.8% in $10B-$250B

129

Net Interest Margin

profitability

Value: 1.99%

Peer Median: 3.77%

#129 of 137 Bottom 6.6% in $10B-$250B

124

Return on Assets

profitability

Value: 0.71%

Peer Median: 1.28%

#124 of 137 Bottom 10.2% in $10B-$250B

116

Non-Interest-Bearing Deposit Share

funding

Value: 2.07%

Peer Median: 20.04%

#116 of 137 Bottom 16.1% in $10B-$250B