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Journey Bank

$1B-$10B Specialty: Commercial PA FDIC cert 686

Designations: ✓ Community bank

Bloomsburg, PA

23 branches across PA

884 banks in the $1B-$10B peer group nationally 37 in PA
View $1B-$10B leaderboard (PA) →

Journey Bank shows strong momentum with 4 strengths and 7.2% YoY asset growth

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

  • + Profitability Leader: Top 33.0% in tier
  • + Net Interest Margin 0.42% above tier average
  • + Efficiency Ratio 9.67% below tier average
  • + Delinquency Rate 0.11% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Journey Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Total Assets ? $1.7B
+7.2% YoY +2.6% QoQ
-$1.1B $2.8B
-0.1% YoY
$3.1B
+7.0% YoY
$6.2B
+9.1% YoY
43%
Total Loans ? $1.2B
+3.2% YoY +0.3% QoQ
-$792.3M $2.0B
+0.6% YoY
$2.2B
+7.7% YoY
$3.2B
+10.8% YoY
42%
Total Deposits ? $1.5B
+8.8% YoY +3.1% QoQ
-$885.6M $2.3B
-0.3% YoY
$2.6B
+7.1% YoY
$4.8B
+8.2% YoY
44%
Return on Assets ? 1.68%
+51.0% YoY +12.0% QoQ
+0.32% 1.37%
+19.6% YoY
1.46%
+26.2% YoY
1.23%
+13.4% YoY
79%
Net Interest Margin ? 4.23%
+10.7% YoY +3.6% QoQ
+0.42% 3.82%
+6.9% YoY
3.32%
+8.7% YoY
3.89%
+5.7% YoY
80%
Efficiency Ratio ? 51.40%
-19.6% YoY -4.9% QoQ
-9.67% 61.06%
-4.6% YoY
69.09%
-7.7% YoY
66.95%
-4.1% YoY
75%
Delinquency Rate ? 0.78%
-28.0% YoY -21.3% QoQ
-0.11% 0.89%
+14.1% YoY
0.92%
+20.5% YoY
0.95%
+18.8% YoY
36%
Loan-to-Deposit Ratio ? 80.43%
-5.2% YoY -2.7% QoQ
-3.77% 84.20%
+0.3% YoY
83.35%
-0.2% YoY
76.70%
+0.9% YoY
65%
Non-Interest-Bearing Deposit Share ? 19.71%
-3.8% YoY +0.4% QoQ
-1.58% 21.29%
-2.5% YoY
17.71%
-0.1% YoY
22.01%
-1.2% YoY
51%
Nonperforming Asset Ratio ? 0.55%
-29.0% YoY -23.0% QoQ
-0.13% 0.67%
+15.6% YoY
0.67%
+14.7% YoY
0.67%
+19.3% YoY
41%
Tier 1 Capital Ratio ? 16.29%
+7.7% YoY +2.3% QoQ
+1.13% 15.16%
+2.0% YoY
20.10%
+0.3% YoY
17.06%
+0.8% YoY
82%
Non-Interest Income / Assets ? 0.14%
-7.4% YoY -77.8% QoQ
-0.12% 0.26%
+1.6% YoY
0.69%
+18.0% YoY
0.32%
+4.1% YoY
49%

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)

Profitability Leader

growth
#74 of 221 • Top 33.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.68%
(Tier: 1.37%, National: 1.23%)
better than tier avg
221 of 221 Mid-Market banks match · 926 nationally
→ Stable +3 banks QoQ

Concerns (0)

No matched concern signatures this quarter

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).
Comparing against 884 peers in $1B-$10B

Top Strengths (3 metrics)

156
Tier 1 Capital Ratio
capital
Value: 16.29%
Peer Median: 15.16%
#156 of 884 Top 17.5% in $1B-$10B
174
Net Interest Margin
profitability
Value: 4.23%
Peer Median: 3.82%
#174 of 884 Top 19.6% in $1B-$10B
184
Return on Assets
profitability
Value: 1.68%
Peer Median: 1.37%
#184 of 884 Top 20.7% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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