BlastPoint's Banking Scorecard
UNB Bank
Mount Carmel, PA
2 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 -2.3% year over year ($156.4M on the books).
- Delinquency rate 0.12%.
- Return on assets 0.14%.
- Efficiency ratio 95.11% vs a 64.48% peer average.
- Loan-to-deposit ratio 57.23% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
UNB Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.79% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 4.4% in tier
- - Return on Assets 1.19% below tier average
- - Net Interest Margin 1.32% below tier average
- - Efficiency Ratio 30.63% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$167.3M
-1.6% YoY
+0.5% QoQ
|
-$219.2M |
$386.6M
+1.2% YoY
|
$3.1B
+7.3% YoY
|
$6.3B
+7.7% YoY
|
19% |
| Total Loans ? |
$89.5M
+3.8% YoY
+0.9% QoQ
|
-$168.9M |
$258.3M
+1.7% YoY
|
$2.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
Bottom 14.6% in tier |
| Total Deposits ? |
$156.4M
-2.3% YoY
+0.5% QoQ
|
-$170.4M |
$326.7M
+0.7% YoY
|
$2.6B
+7.1% YoY
|
$4.9B
+7.3% YoY
|
23% |
| Return on Assets ? |
0.14%
+43.0% YoY
+307.6% QoQ
|
-1.19% |
1.32%
+10.8% YoY
|
1.63%
+26.6% YoY
|
1.30%
+12.1% YoY
|
Bottom 4.6% in tier |
| Net Interest Margin ? |
2.67%
+11.4% YoY
+2.6% QoQ
|
-1.32% |
3.99%
+5.0% YoY
|
3.40%
+8.7% YoY
|
3.95%
+4.9% YoY
|
Bottom 4.5% in tier |
| Efficiency Ratio ? |
95.11%
-2.8% YoY
-3.7% QoQ
|
+30.63% |
64.48%
-3.2% YoY
|
66.68%
-6.6% YoY
|
70.05%
+2.5% YoY
|
Bottom 3.1% in tier |
| Delinquency Rate ? |
0.12%
-59.6% YoY
+26.5% QoQ
|
-0.79% |
0.92%
+15.7% YoY
|
0.92%
+32.0% YoY
|
0.98%
+16.3% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
57.23%
+6.2% YoY
+0.4% QoQ
|
-20.72% |
77.95%
+1.0% YoY
|
84.75%
+0.9% YoY
|
79.03%
+2.3% YoY
|
Top 14.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.58%
+3.1% YoY
-6.9% QoQ
|
+6.55% |
22.03%
-0.6% YoY
|
18.04%
+1.4% YoY
|
21.98%
-0.6% YoY
|
78% |
| Nonperforming Asset Ratio ? |
0.07%
-57.4% YoY
+26.9% QoQ
|
-0.60% |
0.67%
+16.4% YoY
|
0.67%
+21.3% YoY
|
0.69%
+15.8% YoY
|
76% |
| Tier 1 Capital Ratio ? |
9.33%
+2.3% YoY
+0.4% QoQ
|
-6.58% |
15.91%
+1.4% YoY
|
19.93%
+0.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 3.3% in tier |
| Non-Interest Income / Assets ? |
0.14%
+0.8% YoY
+98.2% QoQ
|
-0.42% |
0.57%
+7.6% YoY
|
1.47%
+21.0% YoY
|
0.66%
+5.2% YoY
|
32% |
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 |
28.6%
+0.9pp YoY -2.1pp QoQ |
+6.4pp | 22.1% | 18.7% | 22.2% | 78% |
| 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 |
4.6%
-0.3pp YoY 0.0pp QoQ |
-7.0pp | 11.6% | 8.6% | 12.5% | 17% |
| CRE |
9.6%
+3.0pp YoY -0.6pp QoQ |
-29.9pp | 39.5% | 37.9% | 41.4% | 5% |
| 1-4 Family |
82.8%
-1.3pp YoY +1.5pp QoQ |
+50.2pp | 32.6% | 47.8% | 31.3% | 97% |
| Consumer |
1.6%
-0.3pp YoY +0.1pp QoQ |
-2.5pp | 4.1% | 3.8% | 5.0% | 41% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.3% | 19.7% | n/a |
| Leverage Ratio |
9.3%
+0.2pp YoY 0.0pp QoQ |
-2.8pp | 12.2% | 13.2% | 12.6% | 18% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
29
0 YoY +1 (+3.6%) QoQ |
-30 | 58 | 299 | 482 | 25% |
| Assets per Employee ($) |
$5.8M
-1.6% YoY -3.0% QoQ |
-$1.7M | $7.5M | $9.2M | $8.8M | 29% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 20 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-0.2pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.2% | 0.4% | 42% |
| Nonaccrual |
0.1%
0.0pp QoQ |
-0.9pp | 0.9% | 0.9% | 1.0% | 14% |
| Allowance Coverage |
6.87x
+124.3% YoY -22.1% QoQ |
-17.28x | 24.15x | 3.63x | 20.23x | 76% |
| Net Charge-off Rate (YTD) | 0.0% | -0.1pp | 0.1% | 0.1% | 0.2% | 46% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
2.3%
+0.5pp YoY +1.7pp QoQ |
-9.9pp | 12.2% | 10.2% | 11.6% | 7% |
| Cost of Funds (YTD) |
1.3%
-0.1pp YoY 0.0pp QoQ |
-0.4pp | 1.7% | 1.8% | 1.7% | 22% |
| Net Income ($, YTD) |
$114,000
+44.3% YoY — QoQ |
-$2.4M | $2.6M | $18.2M | $40.4M | 4% |
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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 (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.