BlastPoint's Banking Scorecard

Apollo Trust Company

$100M-$1B Specialty: Mortgage PA FDIC cert 6051

Apollo, PA

6 branches across PA

2664 banks in the $100M-$1B peer group nationally 55 in PA

Apollo Trust Company 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

+ Deposit Franchise: Top 54.4% in tier
+ Delinquency Rate 0.57% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 16.0% in tier
- Credit Risk Growth: Bottom 22.8% in tier
- Credit Quality Pressure: Bottom 38.8% in tier
- ROA 0.17% below tier average
- Efficiency Ratio 5.74% above 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 ?	$210.5M +2.6% YoY +1.1% QoQ	-$175.5M	$386.1M +0.5% YoY	$3.1B +7.0% YoY	$6.2B +9.1% YoY	29%
Total Loans ?	$183.0M +3.8% YoY +1.2% QoQ	-$72.7M	$255.7M +1.1% YoY	$2.2B +7.7% YoY	$3.2B +10.8% YoY	45%
Total Deposits ?	$148.0M +1.9% YoY +4.7% QoQ	-$180.0M	$328.0M +0.1% YoY	$2.6B +7.1% YoY	$4.8B +8.2% YoY	21%
Return on Assets ?	1.10% +19.8% YoY +7.5% QoQ	-0.17%	1.27% +12.9% YoY	1.46% +26.2% YoY	1.23% +13.4% YoY	44%
Net Interest Margin ?	4.36% +8.7% YoY +4.6% QoQ	+0.43%	3.93% +6.0% YoY	3.32% +8.7% YoY	3.89% +5.7% YoY	76%
Efficiency Ratio ?	71.02% -2.3% YoY +0.6% QoQ	+5.74%	65.29% -4.5% YoY	69.09% -7.7% YoY	66.95% -4.1% YoY	30%
Delinquency Rate ?	0.32%	-0.57%	0.89% +18.8% YoY	0.92% +20.5% YoY	0.95% +18.8% YoY	56%
Loan-to-Deposit Ratio ?	123.66% +1.9% YoY -3.4% QoQ	+47.02%	76.64% +0.8% YoY	83.35% -0.2% YoY	76.70% +0.9% YoY	Bottom 0.7% in tier
Non-Interest-Bearing Deposit Share ?	46.41% +1.0% YoY -0.2% QoQ	+24.39%	22.02% -1.0% YoY	17.71% -0.1% YoY	22.01% -1.2% YoY	Top 2.5% in tier
Nonperforming Asset Ratio ?	0.28%	-0.36%	0.64% +19.7% YoY	0.67% +14.7% YoY	0.67% +19.3% YoY	52%
Tier 1 Capital Ratio ?	17.52% +3.2% YoY +0.5% QoQ	+1.69%	15.83% +1.5% YoY	20.10% +0.3% YoY	17.06% +0.8% YoY	79%
Non-Interest Income / Assets ?	0.17% -11.3% YoY -76.5% QoQ	-0.11%	0.28% +9.3% YoY	0.69% +18.0% YoY	0.32% +4.1% YoY	79%

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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)

Deposit Franchise

growth

#149 of 272 • Top 54.4% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 46.41%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.36%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ

Concerns (3)

Liquidity Overhang

risk

#119 of 739 • Bottom 16.0% 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: 17.52%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 123.66%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Credit Risk Growth

risk

#223 of 973 • Bottom 22.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ

Credit Quality Pressure

risk

#509 of 1308 • Bottom 38.8% in tier

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

Why this signature

Delinquency Rate: 0.32%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 46.41%

Peer Median: 22.02%

#67 of 2664 Top 2.5% in $100M-$1B

548

Tier 1 Capital Ratio

capital

Value: 17.52%

Peer Median: 15.83%

#548 of 2664 Top 20.5% in $100M-$1B

560

Non-Interest Income / Assets

revenue_mix

Value: 0.17%

Peer Median: 0.28%

#560 of 2664 Top 21.0% in $100M-$1B

631

Net Interest Margin

profitability

Value: 4.36%

Peer Median: 3.93%

#631 of 2664 Top 23.6% in $100M-$1B

Top Weaknesses (2 metrics)

2647

Loan-to-Deposit Ratio

liquidity

Value: 123.66%

Peer Median: 76.64%

#2647 of 2664 Bottom 0.7% in $100M-$1B

2105

Total Deposits

size

Value: $148.00M

Peer Median: $327.97M

#2105 of 2664 Bottom 21.0% in $100M-$1B