BlastPoint's Banking Scorecard
Jim Thorpe Neighborhood Bank
Jim Thorpe, PA
6 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 55 in PA.
- Deposits +7.0% year over year ($241.9M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.96%.
- Efficiency ratio 66.19% vs a 64.48% peer average.
- Loan-to-deposit ratio 51.35% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Jim Thorpe Neighborhood Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.92% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.36% below tier average
- - Net Interest Margin 0.61% below tier average
- - Efficiency Ratio 1.71% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$265.0M
+7.6% YoY
+3.5% QoQ
|
-$121.6M |
$386.6M
+1.2% YoY
|
$3.1B
+7.3% YoY
|
$6.3B
+7.7% YoY
|
39% |
| Total Loans ? |
$124.2M
-2.0% YoY
-0.4% QoQ
|
-$134.1M |
$258.3M
+1.7% YoY
|
$2.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
27% |
| Total Deposits ? |
$241.9M
+7.0% YoY
+3.5% QoQ
|
-$84.9M |
$326.7M
+0.7% YoY
|
$2.6B
+7.1% YoY
|
$4.9B
+7.3% YoY
|
43% |
| Return on Assets ? |
0.96%
+17.3% YoY
+13.0% QoQ
|
-0.36% |
1.32%
+10.8% YoY
|
1.63%
+26.6% YoY
|
1.30%
+12.1% YoY
|
31% |
| Net Interest Margin ? |
3.38%
+7.6% YoY
+3.4% QoQ
|
-0.61% |
3.99%
+5.0% YoY
|
3.40%
+8.7% YoY
|
3.95%
+4.9% YoY
|
23% |
| Efficiency Ratio ? |
66.19%
-5.3% YoY
-4.7% QoQ
|
+1.71% |
64.48%
-3.2% YoY
|
66.68%
-6.6% YoY
|
70.05%
+2.5% YoY
|
39% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.92% |
0.92%
+15.7% YoY
|
0.92%
+32.0% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
51.35%
-8.5% YoY
-3.8% QoQ
|
-26.60% |
77.95%
+1.0% YoY
|
84.75%
+0.9% YoY
|
79.03%
+2.3% YoY
|
Top 9.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.83%
+10.5% YoY
+5.1% QoQ
|
+5.80% |
22.03%
-0.6% YoY
|
18.04%
+1.4% YoY
|
21.98%
-0.6% YoY
|
76% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.67% |
0.67%
+16.4% YoY
|
0.67%
+21.3% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
21.01%
+2.5% YoY
-0.3% QoQ
|
+5.10% |
15.91%
+1.4% YoY
|
19.93%
+0.1% YoY
|
17.09%
+0.8% YoY
|
Top 11.8% in tier |
| Non-Interest Income / Assets ? |
0.13%
-9.3% YoY
+103.0% QoQ
|
-0.44% |
0.57%
+7.6% YoY
|
1.47%
+21.0% YoY
|
0.66%
+5.2% YoY
|
27% |
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 |
27.8%
+2.6pp YoY +1.3pp QoQ |
+5.7pp | 22.1% | 18.7% | 22.2% | 76% |
| Brokered Deposits | n/a | n/a | 7.9% | 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 |
1.4%
-0.2pp YoY 0.0pp QoQ |
-10.1pp | 11.6% | 8.6% | 12.5% | 4% |
| CRE |
42.9%
+1.5pp YoY +0.1pp QoQ |
+3.4pp | 39.5% | 37.9% | 41.4% | 58% |
| 1-4 Family |
43.1%
+0.1pp YoY +0.1pp QoQ |
+10.5pp | 32.6% | 47.8% | 31.3% | 75% |
| Consumer |
2.8%
+0.7pp YoY +0.3pp QoQ |
-1.4pp | 4.1% | 3.8% | 5.0% | 57% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
21.0%
+0.5pp YoY -0.1pp QoQ |
+2.2pp | 18.8% | 22.3% | 19.7% | 81% |
| Leverage Ratio |
10.1%
+0.1pp YoY 0.0pp QoQ |
-2.1pp | 12.2% | 13.2% | 12.6% | 33% |
| Total Capital Ratio |
22.0%
+0.5pp YoY -0.1pp QoQ |
+2.1pp | 19.9% | 23.3% | 20.8% | 80% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
43
+3 (+7.5%) YoY +2 (+4.9%) QoQ |
-16 | 58 | 299 | 482 | 45% |
| Assets per Employee ($) |
$6.2M
+0.1% YoY -1.3% QoQ |
-$1.4M | $7.5M | $9.2M | $8.8M | 37% |
| Branch Count |
6
0 YoY 0 QoQ |
+1 | 4 | 20 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.9% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 3.63x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 50% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.3%
+0.6pp YoY +1.3pp QoQ |
-0.9pp | 12.2% | 10.2% | 11.6% | 45% |
| Cost of Funds (YTD) |
1.0%
-0.1pp YoY 0.0pp QoQ |
-0.7pp | 1.7% | 1.8% | 1.7% | 9% |
| Net Income ($, YTD) |
$1.3M
+22.3% YoY — QoQ |
-$1.3M | $2.6M | $18.2M | $40.4M | 34% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.