BlastPoint's Banking Scorecard
The Juniata Valley Bank
Mifflintown, PA
15 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 +6.1% year over year ($805.8M on the books).
- Delinquency rate 0.05%.
- Return on assets 1.16%.
- Efficiency ratio 60.22% vs a 64.48% peer average.
- Loan-to-deposit ratio 78.01% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Juniata Valley Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 4.26% below tier average
- + Delinquency Rate 0.87% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.16% below tier average
- - Net Interest Margin 0.52% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$917.9M
+5.8% YoY
+1.9% QoQ
|
+$531.3M |
$386.6M
+1.2% YoY
|
$3.1B
+7.3% YoY
|
$6.3B
+7.7% YoY
|
Top 3.0% in tier |
| Total Loans ? |
$628.6M
+14.4% YoY
+4.3% QoQ
|
+$370.3M |
$258.3M
+1.7% YoY
|
$2.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
Top 4.9% in tier |
| Total Deposits ? |
$805.8M
+6.1% YoY
+2.2% QoQ
|
+$479.1M |
$326.7M
+0.7% YoY
|
$2.6B
+7.1% YoY
|
$4.9B
+7.3% YoY
|
Top 2.0% in tier |
| Return on Assets ? |
1.16%
+24.4% YoY
-6.5% QoQ
|
-0.16% |
1.32%
+10.8% YoY
|
1.63%
+26.6% YoY
|
1.30%
+12.1% YoY
|
45% |
| Net Interest Margin ? |
3.47%
+15.5% YoY
-0.2% QoQ
|
-0.52% |
3.99%
+5.0% YoY
|
3.40%
+8.7% YoY
|
3.95%
+4.9% YoY
|
26% |
| Efficiency Ratio ? |
60.22%
-7.7% YoY
+1.1% QoQ
|
-4.26% |
64.48%
-3.2% YoY
|
66.68%
-6.6% YoY
|
70.05%
+2.5% YoY
|
56% |
| Delinquency Rate ? |
0.05%
-48.7% YoY
+0.2% QoQ
|
-0.87% |
0.92%
+15.7% YoY
|
0.92%
+32.0% YoY
|
0.98%
+16.3% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
78.01%
+7.8% YoY
+2.1% QoQ
|
+0.06% |
77.95%
+1.0% YoY
|
84.75%
+0.9% YoY
|
79.03%
+2.3% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
26.13%
+3.0% YoY
-1.9% QoQ
|
+4.10% |
22.03%
-0.6% YoY
|
18.04%
+1.4% YoY
|
21.98%
-0.6% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.03%
-44.5% YoY
+2.6% QoQ
|
-0.64% |
0.67%
+16.4% YoY
|
0.67%
+21.3% YoY
|
0.69%
+15.8% YoY
|
81% |
| Tier 1 Capital Ratio ? |
11.61%
-1.7% YoY
-0.5% QoQ
|
-4.29% |
15.91%
+1.4% YoY
|
19.93%
+0.1% YoY
|
17.09%
+0.8% YoY
|
31% |
| Non-Interest Income / Assets ? |
0.30%
-7.0% YoY
+96.1% QoQ
|
-0.26% |
0.57%
+7.6% YoY
|
1.47%
+21.0% YoY
|
0.66%
+5.2% YoY
|
72% |
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 |
26.1%
+0.8pp YoY -0.5pp QoQ |
+4.0pp | 22.1% | 18.7% | 22.2% | 70% |
| 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 |
11.0%
0.0pp YoY +0.6pp QoQ |
-0.6pp | 11.6% | 8.6% | 12.5% | 58% |
| CRE |
50.6%
+2.9pp YoY +0.8pp QoQ |
+11.1pp | 39.5% | 37.9% | 41.4% | 71% |
| 1-4 Family |
27.9%
-2.3pp YoY -0.9pp QoQ |
-4.7pp | 32.6% | 47.8% | 31.3% | 47% |
| Consumer |
0.5%
-0.2pp YoY 0.0pp QoQ |
-3.6pp | 4.1% | 3.8% | 5.0% | 15% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.6%
-0.2pp YoY -0.1pp QoQ |
-7.2pp | 18.8% | 22.3% | 19.7% | 13% |
| Leverage Ratio |
8.6%
+0.1pp YoY 0.0pp QoQ |
-3.6pp | 12.2% | 13.2% | 12.6% | 7% |
| Total Capital Ratio |
12.8%
-0.1pp YoY 0.0pp QoQ |
-7.2pp | 19.9% | 23.3% | 20.8% | 14% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
126
-5 (-3.8%) YoY +1 (+0.8%) QoQ |
+67 | 58 | 299 | 482 | 94% |
| Assets per Employee ($) |
$7.3M
+10.0% YoY +1.1% QoQ |
-$234K | $7.5M | $9.2M | $8.8M | 57% |
| Branch Count |
14
0 YoY 0 QoQ |
+9 | 4 | 20 | 18 | 97% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 0.9% | 1.0% | 11% |
| Allowance Coverage |
25.35x
+96.3% YoY +0.5% QoQ |
+1.19x | 24.15x | 3.63x | 20.23x | 90% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 36% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.8%
+1.5pp YoY -1.5pp QoQ |
+5.6pp | 12.2% | 10.2% | 11.6% | 81% |
| Cost of Funds (YTD) |
1.5%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.8% | 1.7% | 39% |
| Net Income ($, YTD) |
$5.2M
+31.5% YoY — QoQ |
+$2.7M | $2.6M | $18.2M | $40.4M | 88% |
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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.