BlastPoint's Banking Scorecard

Pennian Bank

$100M-$1B Specialty: Commercial PA FDIC cert 7613

Mifflintown, PA

13 branches across PA

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

Pennian Bank faces 5 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 0.8% in tier
- Efficiency Drag: Bottom 32.6% in tier
- Credit Quality Pressure: Bottom 49.3% in tier
- ROA 0.89% below tier average
- Net Interest Margin 0.86% below 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 ?	$657.4M -1.6% YoY -0.7% QoQ	+$271.3M	$386.1M +0.5% YoY	$3.1B +7.0% YoY	$6.2B +9.1% YoY	Top 15.0% in tier
Total Loans ?	$423.3M -4.4% YoY -1.3% QoQ	+$167.5M	$255.7M +1.1% YoY	$2.2B +7.7% YoY	$3.2B +10.8% YoY	82%
Total Deposits ?	$569.9M -1.3% YoY -0.7% QoQ	+$241.9M	$328.0M +0.1% YoY	$2.6B +7.1% YoY	$4.8B +8.2% YoY	Top 14.7% in tier
Return on Assets ?	0.38% -18.3% YoY +12.4% QoQ	-0.89%	1.27% +12.9% YoY	1.46% +26.2% YoY	1.23% +13.4% YoY	Bottom 10.0% in tier
Net Interest Margin ?	3.07% +3.7% YoY +0.1% QoQ	-0.86%	3.93% +6.0% YoY	3.32% +8.7% YoY	3.89% +5.7% YoY	Bottom 13.4% in tier
Efficiency Ratio ?	87.97% +3.0% YoY +3.3% QoQ	+22.68%	65.29% -4.5% YoY	69.09% -7.7% YoY	66.95% -4.1% YoY	Bottom 7.9% in tier
Delinquency Rate ?	1.13% +20.7% YoY -0.5% QoQ	+0.24%	0.89% +18.8% YoY	0.92% +20.5% YoY	0.95% +18.8% YoY	26%
Loan-to-Deposit Ratio ?	74.27% -3.1% YoY -0.6% QoQ	-2.36%	76.64% +0.8% YoY	83.35% -0.2% YoY	76.70% +0.9% YoY	59%
Non-Interest-Bearing Deposit Share ?	20.49% +5.7% YoY +4.7% QoQ	-1.53%	22.02% -1.0% YoY	17.71% -0.1% YoY	22.01% -1.2% YoY	47%
Nonperforming Asset Ratio ?	0.73% +17.4% YoY -1.0% QoQ	+0.09%	0.64% +19.7% YoY	0.67% +14.7% YoY	0.67% +19.3% YoY	28%
Tier 1 Capital Ratio ?	15.78% +7.4% YoY +2.0% QoQ	-0.05%	15.83% +1.5% YoY	20.10% +0.3% YoY	17.06% +0.8% YoY	71%
Non-Interest Income / Assets ?	0.19% +12.6% YoY -73.4% QoQ	-0.09%	0.28% +9.3% YoY	0.69% +18.0% YoY	0.32% +4.1% YoY	83%

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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 (0)

No matched strength signatures this quarter

Concerns (3)

Flatlined Growth

risk

#5 of 512 • Bottom 0.8% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.38%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ | QoQ rank declining

Efficiency Drag

risk

#136 of 414 • Bottom 32.6% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 87.97%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | QoQ rank improving

Credit Quality Pressure

risk

#646 of 1308 • Bottom 49.3% in tier

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

Why this signature

Delinquency Rate: 1.13%

(Tier: 0.89%, National: 0.95%)

worse 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)

393

Total Deposits

size

Value: $569.87M

Peer Median: $327.97M

#393 of 2664 Top 14.7% in $100M-$1B

400

Total Assets

size

Value: $657.41M

Peer Median: $386.08M

#400 of 2664 Top 15.0% in $100M-$1B

442

Non-Interest Income / Assets

revenue_mix

Value: 0.19%

Peer Median: 0.28%

#442 of 2664 Top 16.6% in $100M-$1B

482

Total Loans

size

Value: $423.26M

Peer Median: $255.72M

#482 of 2664 Top 18.1% in $100M-$1B

Top Weaknesses (3 metrics)

2455

Efficiency Ratio

profitability

Value: 87.97%

Peer Median: 65.29%

#2455 of 2664 Bottom 7.9% in $100M-$1B

2398

Return on Assets

profitability

Value: 0.38%

Peer Median: 1.27%

#2398 of 2664 Bottom 10.0% in $100M-$1B

2307

Net Interest Margin

profitability

Value: 3.07%

Peer Median: 3.93%

#2307 of 2664 Bottom 13.4% in $100M-$1B