BlastPoint's Banking Scorecard
TriState Capital Bank
Pittsburgh, PA
2 branches across PA
TriState Capital Bank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 14.7% in tier
- + Efficiency Ratio 4.57% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 12.9% 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 0.58% below tier average
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
|
-$24.1B |
$47.4B
-2.0% YoY
|
$3.1B
+7.0% YoY
|
$6.2B
+9.0% YoY
|
45% |
| Total Loans ? |
$18.3B
+20.7% YoY
+3.1% QoQ
|
-$11.3B |
$29.6B
-0.4% YoY
|
$2.2B
+7.7% YoY
|
$3.2B
+10.7% YoY
|
53% |
| Total Deposits ? |
$21.4B
+12.6% YoY
-0.5% QoQ
|
-$17.4B |
$38.7B
-1.6% YoY
|
$2.6B
+7.1% YoY
|
$4.8B
+8.0% YoY
|
51% |
| Return on Assets ? |
0.71%
+1.4% YoY
-8.8% QoQ
|
-0.58% |
1.28%
+19.3% YoY
|
1.46%
+26.2% YoY
|
1.24%
+13.1% YoY
|
Bottom 10.4% in tier |
| Net Interest Margin ? |
1.99%
-2.0% YoY
-3.5% QoQ
|
-1.78% |
3.77%
+5.6% YoY
|
3.32%
+8.7% YoY
|
3.89%
+5.7% YoY
|
Bottom 6.7% in tier |
| Efficiency Ratio ? |
49.33%
-0.1% YoY
+4.6% QoQ
|
-4.57% |
53.90%
-4.0% YoY
|
69.09%
-7.7% YoY
|
66.84%
-3.8% YoY
|
71% |
| Delinquency Rate ? |
0.37%
+25.1% YoY
-23.3% QoQ
|
-0.65% |
1.02%
-4.1% YoY
|
0.92%
+20.5% YoY
|
0.95%
+18.8% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
85.77%
+7.2% YoY
+3.6% QoQ
|
+4.89% |
80.88%
+2.0% YoY
|
83.35%
-0.2% YoY
|
76.69%
+0.9% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
2.07%
+8.9% YoY
-23.8% QoQ
|
-17.75% |
19.82%
+0.3% YoY
|
17.71%
-0.1% YoY
|
22.01%
-1.1% YoY
|
16% |
| Nonperforming Asset Ratio ? |
0.29%
+34.5% YoY
-20.6% QoQ
|
-0.43% |
0.73%
+4.0% YoY
|
0.67%
+14.7% YoY
|
0.66%
+19.3% YoY
|
76% |
| Tier 1 Capital Ratio ? |
18.57%
+8.2% YoY
+3.5% QoQ
|
+3.01% |
15.56%
-0.1% YoY
|
20.10%
+0.3% YoY
|
17.06%
+0.8% YoY
|
Top 9.6% in tier |
| Non-Interest Income / Assets ? |
0.02%
-26.9% YoY
-81.8% QoQ
|
-0.21% |
0.23%
+0.9% YoY
|
0.69%
+18.0% YoY
|
0.32%
+4.0% YoY
|
Bottom 5.9% in tier |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (2)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.