BlastPoint's Banking Scorecard
Bank of Bird-in-Hand
Designations: ✓ Community bank
Bird In Hand, PA
16 branches across PA
Bank of Bird-in-Hand has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 1.4% in tier
- + Efficiency Ratio 6.95% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 18.33% above tier average
- - Non-Interest-Bearing Deposit Share 12.57% below tier average
- - ROA 0.26% below tier average
- - Net Interest Margin 0.61% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.8B
+13.6% YoY
+2.5% QoQ
|
-$980.7M |
$2.8B
-0.1% YoY
|
$3.1B
+7.0% YoY
|
$6.2B
+9.1% YoY
|
46% |
| Total Loans ? |
$1.7B
+16.2% YoY
+3.6% QoQ
|
-$306.6M |
$2.0B
+0.6% YoY
|
$2.2B
+7.7% YoY
|
$3.2B
+10.8% YoY
|
58% |
| Total Deposits ? |
$1.6B
+20.2% YoY
+2.6% QoQ
|
-$726.0M |
$2.3B
-0.3% YoY
|
$2.6B
+7.1% YoY
|
$4.8B
+8.2% YoY
|
48% |
| Return on Assets ? |
1.11%
+80.6% YoY
+37.2% QoQ
|
-0.26% |
1.37%
+19.6% YoY
|
1.46%
+26.2% YoY
|
1.23%
+13.4% YoY
|
41% |
| Net Interest Margin ? |
3.21%
+25.8% YoY
+12.1% QoQ
|
-0.61% |
3.82%
+6.9% YoY
|
3.32%
+8.7% YoY
|
3.89%
+5.7% YoY
|
25% |
| Efficiency Ratio ? |
54.11%
-20.7% YoY
-10.4% QoQ
|
-6.95% |
61.06%
-4.6% YoY
|
69.09%
-7.7% YoY
|
66.95%
-4.1% YoY
|
67% |
| Delinquency Rate ? |
0.20%
+632.3% YoY
+7.0% QoQ
|
-0.69% |
0.89%
+14.1% YoY
|
0.92%
+20.5% YoY
|
0.95%
+18.8% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
102.53%
-3.3% YoY
+1.0% QoQ
|
+18.33% |
84.20%
+0.3% YoY
|
83.35%
-0.2% YoY
|
76.70%
+0.9% YoY
|
Bottom 9.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.72%
-2.0% YoY
-4.1% QoQ
|
-12.57% |
21.29%
-2.5% YoY
|
17.71%
-0.1% YoY
|
22.01%
-1.2% YoY
|
Bottom 9.3% in tier |
| Nonperforming Asset Ratio ? |
0.18%
+648.8% YoY
+8.2% QoQ
|
-0.49% |
0.67%
+15.6% YoY
|
0.67%
+14.7% YoY
|
0.67%
+19.3% YoY
|
76% |
| Tier 1 Capital Ratio ? |
10.68%
+1.4% YoY
-2.6% QoQ
|
-4.48% |
15.16%
+2.0% YoY
|
20.10%
+0.3% YoY
|
17.06%
+0.8% YoY
|
Bottom 11.7% in tier |
| Non-Interest Income / Assets ? |
0.07%
+16.9% YoY
-71.3% QoQ
|
-0.19% |
0.26%
+1.6% YoY
|
0.69%
+18.0% YoY
|
0.32%
+4.1% YoY
|
18% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.