BlastPoint's Banking Scorecard

The Juniata Valley Bank

$100M-$1B Specialty: Commercial PA FDIC cert 7614

Mifflintown, PA

14 branches across PA

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

The Juniata Valley Bank has 2 strengths but faces 1 concern

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

+ Efficiency Ratio 5.72% below tier average
+ Delinquency Rate 0.84% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.46% 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 ?	$900.9M +5.6% YoY +0.6% QoQ	+$514.9M	$386.1M +0.5% YoY	$3.1B +7.0% YoY	$6.2B +9.1% YoY	Top 3.7% in tier
Total Loans ?	$602.8M +13.2% YoY +1.4% QoQ	+$347.1M	$255.7M +1.1% YoY	$2.2B +7.7% YoY	$3.2B +10.8% YoY	Top 6.1% in tier
Total Deposits ?	$788.7M +5.3% YoY +0.9% QoQ	+$460.7M	$328.0M +0.1% YoY	$2.6B +7.1% YoY	$4.8B +8.2% YoY	Top 2.9% in tier
Return on Assets ?	1.24% +28.5% YoY +34.2% QoQ	-0.03%	1.27% +12.9% YoY	1.46% +26.2% YoY	1.23% +13.4% YoY	52%
Net Interest Margin ?	3.47% +18.3% YoY +11.3% QoQ	-0.46%	3.93% +6.0% YoY	3.32% +8.7% YoY	3.89% +5.7% YoY	29%
Efficiency Ratio ?	59.56% -8.0% YoY -10.8% QoQ	-5.72%	65.29% -4.5% YoY	69.09% -7.7% YoY	66.95% -4.1% YoY	61%
Delinquency Rate ?	0.05% -59.5% YoY -55.3% QoQ	-0.84%	0.89% +18.8% YoY	0.92% +20.5% YoY	0.95% +18.8% YoY	80%
Loan-to-Deposit Ratio ?	76.44% +7.4% YoY +0.6% QoQ	-0.20%	76.64% +0.8% YoY	83.35% -0.2% YoY	76.70% +0.9% YoY	54%
Non-Interest-Bearing Deposit Share ?	26.63% +0.3% YoY -0.8% QoQ	+4.61%	22.02% -1.0% YoY	17.71% -0.1% YoY	22.01% -1.2% YoY	72%
Nonperforming Asset Ratio ?	0.03% -56.6% YoY -54.9% QoQ	-0.61%	0.64% +19.7% YoY	0.67% +14.7% YoY	0.67% +19.3% YoY	81%
Tier 1 Capital Ratio ?	11.67% -2.4% YoY +2.0% QoQ	-4.16%	15.83% +1.5% YoY	20.10% +0.3% YoY	17.06% +0.8% YoY	31%
Non-Interest Income / Assets ?	0.15% -4.6% YoY -75.6% QoQ	-0.13%	0.28% +9.3% YoY	0.69% +18.0% YoY	0.32% +4.1% YoY	75%

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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 (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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Total Deposits

size

Value: $788.68M

Peer Median: $327.97M

#79 of 2664 Top 2.9% in $100M-$1B

100

Total Assets

size

Value: $900.95M

Peer Median: $386.08M

#100 of 2664 Top 3.7% in $100M-$1B

163

Total Loans

size

Value: $602.85M

Peer Median: $255.72M

#163 of 2664 Top 6.1% in $100M-$1B

515

Nonperforming Asset Ratio

credit_quality

Value: 0.03%

Peer Median: 0.64%

#515 of 2664 Top 19.3% in $100M-$1B

537

Delinquency Rate

credit_quality

Value: 0.05%

Peer Median: 0.89%

#537 of 2654 Top 20.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available