BlastPoint's Banking Scorecard
Journey Bank
Designations: ✓ Community bank
Bloomsburg, PA
23 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 885 banks in the $1B-$10B peer group nationwide — 1 of 37 in PA.
- Deposits +5.3% year over year ($1.4B on the books).
- Delinquency rate 0.74%.
- Return on assets 1.69%.
- Efficiency ratio 49.43% vs a 59.73% peer average.
- Loan-to-deposit ratio 83.48% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Journey Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 45.5% in tier
- + Net Interest Margin 0.43% above tier average
- + Efficiency Ratio 10.29% below tier average
- + Delinquency Rate 0.12% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.7B
+3.5% YoY
-2.6% QoQ
|
-$1.1B |
$2.8B
-0.6% YoY
|
$3.1B
+7.3% YoY
|
$6.3B
+7.7% YoY
|
42% |
| Total Loans ? |
$1.2B
+4.1% YoY
+2.1% QoQ
|
-$765.9M |
$2.0B
-0.3% YoY
|
$2.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
43% |
| Total Deposits ? |
$1.4B
+5.3% YoY
-1.6% QoQ
|
-$884.7M |
$2.3B
-0.5% YoY
|
$2.6B
+7.1% YoY
|
$4.9B
+7.3% YoY
|
43% |
| Return on Assets ? |
1.69%
+32.0% YoY
+0.7% QoQ
|
+0.30% |
1.39%
+17.0% YoY
|
1.63%
+26.6% YoY
|
1.30%
+12.1% YoY
|
79% |
| Net Interest Margin ? |
4.30%
+9.2% YoY
+1.5% QoQ
|
+0.43% |
3.87%
+6.2% YoY
|
3.40%
+8.7% YoY
|
3.95%
+4.9% YoY
|
81% |
| Efficiency Ratio ? |
49.43%
-15.1% YoY
-3.8% QoQ
|
-10.29% |
59.73%
-12.6% YoY
|
66.68%
-6.6% YoY
|
70.05%
+2.5% YoY
|
78% |
| Delinquency Rate ? |
0.74%
-38.1% YoY
-4.4% QoQ
|
-0.12% |
0.87%
+11.7% YoY
|
0.92%
+32.0% YoY
|
0.98%
+16.3% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
83.48%
-1.1% YoY
+3.8% QoQ
|
-1.55% |
85.04%
-0.1% YoY
|
84.75%
+0.9% YoY
|
79.03%
+2.3% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
19.38%
-3.5% YoY
-1.7% QoQ
|
-1.89% |
21.27%
-1.5% YoY
|
18.04%
+1.4% YoY
|
21.98%
-0.6% YoY
|
47% |
| Nonperforming Asset Ratio ? |
0.53%
-38.0% YoY
-2.6% QoQ
|
-0.14% |
0.67%
+11.7% YoY
|
0.67%
+21.3% YoY
|
0.69%
+15.8% YoY
|
41% |
| Tier 1 Capital Ratio ? |
16.74%
+9.2% YoY
+2.7% QoQ
|
+1.90% |
14.84%
-0.4% YoY
|
19.93%
+0.1% YoY
|
17.09%
+0.8% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.37%
+20.2% YoY
+168.5% QoQ
|
-0.15% |
0.53%
+2.5% YoY
|
1.47%
+21.0% YoY
|
0.66%
+5.2% YoY
|
67% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
19.4%
-0.7pp YoY -0.3pp QoQ |
-2.0pp | 21.4% | 18.7% | 22.2% | 47% |
| Brokered Deposits | n/a | n/a | 9.5% | 6.8% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.0%
0.0pp YoY -0.3pp QoQ |
-9.0pp | 14.0% | 8.6% | 12.5% | 18% |
| CRE |
34.7%
+1.8pp YoY +0.4pp QoQ |
-15.3pp | 50.0% | 37.9% | 41.4% | 15% |
| 1-4 Family |
54.9%
-1.0pp YoY +0.3pp QoQ |
+28.4pp | 26.4% | 47.8% | 31.3% | 92% |
| Consumer |
1.0%
-0.2pp YoY 0.0pp QoQ |
-3.7pp | 4.7% | 3.8% | 5.0% | 46% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
16.7%
+1.4pp YoY +0.4pp QoQ |
+1.1pp | 15.6% | 22.3% | 19.7% | 82% |
| Leverage Ratio |
10.2%
+0.8pp YoY +0.3pp QoQ |
-1.1pp | 11.3% | 13.2% | 12.6% | 42% |
| Total Capital Ratio |
17.7%
+1.4pp YoY +0.5pp QoQ |
+1.0pp | 16.7% | 23.3% | 20.8% | 81% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
257
+15 (+6.2%) YoY +1 (+0.4%) QoQ |
-57 | 313 | 299 | 482 | 57% |
| Assets per Employee ($) |
$6.5M
-2.6% YoY -3.0% QoQ |
-$4.0M | $10.5M | $9.2M | $8.8M | 17% |
| Branch Count |
23
0 YoY 0 QoQ |
+3 | 20 | 20 | 18 | 72% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.7%
-0.5pp YoY 0.0pp QoQ |
-0.1pp | 0.8% | 0.9% | 1.0% | 64% |
| Allowance Coverage |
1.16x
+56.5% YoY +5.4% QoQ |
-17.55x | 18.71x | 3.63x | 20.23x | 29% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 44% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.0%
+2.7pp YoY -0.1pp QoQ |
+2.4pp | 12.6% | 10.2% | 11.6% | 74% |
| Cost of Funds (YTD) |
1.7%
-0.2pp YoY 0.0pp QoQ |
-0.2pp | 1.9% | 1.8% | 1.7% | 36% |
| Net Income ($, YTD) |
$14.3M
+38.8% YoY — QoQ |
-$5.0M | $19.2M | $18.2M | $40.4M | 58% |
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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)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.