BlastPoint's Banking Scorecard

UNB Bank

$100M-$1B Specialty: Mortgage PA FDIC cert 7631

Mount Carmel, PA

2 branches across PA

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

UNB Bank has 1 strength but faces 6 concerns

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

+ Delinquency Rate 0.79% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 6.6% in tier
- Capital Thin: Bottom 12.3% in tier
- Credit Quality Pressure: Bottom 14.1% in tier
- Return on Assets 1.24% below tier average
- Net Interest Margin 1.33% below tier average
- Efficiency Ratio 33.49% above 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 ?	$166.5M +1.7% YoY -1.6% QoQ	-$219.6M	$386.1M +0.5% YoY	$3.1B +7.0% YoY	$6.2B +9.1% YoY	19%
Total Loans ?	$88.7M +2.9% YoY +0.7% QoQ	-$167.0M	$255.7M +1.1% YoY	$2.2B +7.7% YoY	$3.2B +10.8% YoY	15%
Total Deposits ?	$155.6M +1.3% YoY -1.4% QoQ	-$172.3M	$328.0M +0.1% YoY	$2.6B +7.1% YoY	$4.8B +8.2% YoY	23%
Return on Assets ?	0.03% -8.7% YoY -76.6% QoQ	-1.24%	1.27% +12.9% YoY	1.46% +26.2% YoY	1.23% +13.4% YoY	Bottom 3.7% in tier
Net Interest Margin ?	2.60% +11.9% YoY +5.5% QoQ	-1.33%	3.93% +6.0% YoY	3.32% +8.7% YoY	3.89% +5.7% YoY	Bottom 4.2% in tier
Efficiency Ratio ?	98.77% -3.0% YoY +3.5% QoQ	+33.49%	65.29% -4.5% YoY	69.09% -7.7% YoY	66.95% -4.1% YoY	Bottom 2.7% in tier
Delinquency Rate ?	0.10% +369.5% YoY +35.0% QoQ	-0.79%	0.89% +18.8% YoY	0.92% +20.5% YoY	0.95% +18.8% YoY	74%
Loan-to-Deposit Ratio ?	57.01% +1.6% YoY +2.2% QoQ	-19.63%	76.64% +0.8% YoY	83.35% -0.2% YoY	76.70% +0.9% YoY	85%
Non-Interest-Bearing Deposit Share ?	30.71% +6.6% YoY +5.8% QoQ	+8.69%	22.02% -1.0% YoY	17.71% -0.1% YoY	22.01% -1.2% YoY	84%
Nonperforming Asset Ratio ?	0.05% +375.3% YoY +38.2% QoQ	-0.59%	0.64% +19.7% YoY	0.67% +14.7% YoY	0.67% +19.3% YoY	77%
Tier 1 Capital Ratio ?	9.29% -1.6% YoY +0.0% QoQ	-6.54%	15.83% +1.5% YoY	20.10% +0.3% YoY	17.06% +0.8% YoY	Bottom 2.3% in tier
Non-Interest Income / Assets ?	0.07% -1.7% YoY -75.1% QoQ	-0.21%	0.28% +9.3% YoY	0.69% +18.0% YoY	0.32% +4.1% YoY	33%

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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)

Credit Risk Growth

risk

#65 of 973 • Bottom 6.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank declining

Capital Thin

risk

#83 of 666 • Bottom 12.3% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.29%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#186 of 1308 • Bottom 14.1% in tier

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

Why this signature

Delinquency Rate: 0.10%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank declining

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 (3 metrics)

413

Loan-to-Deposit Ratio

liquidity

Value: 57.01%

Peer Median: 76.64%

#413 of 2664 Top 15.5% in $100M-$1B

437

Non-Interest-Bearing Deposit Share

funding

Value: 30.71%

Peer Median: 22.02%

#437 of 2664 Top 16.4% in $100M-$1B

603

Nonperforming Asset Ratio

credit_quality

Value: 0.05%

Peer Median: 0.64%

#603 of 2664 Top 22.6% in $100M-$1B

Top Weaknesses (7 metrics)

2604

Tier 1 Capital Ratio

capital

Value: 9.29%

Peer Median: 15.83%

#2604 of 2664 Bottom 2.3% in $100M-$1B

2592

Efficiency Ratio

profitability

Value: 98.77%

Peer Median: 65.29%

#2592 of 2664 Bottom 2.7% in $100M-$1B

2566

Return on Assets

profitability

Value: 0.03%

Peer Median: 1.27%

#2566 of 2664 Bottom 3.7% in $100M-$1B

2552

Net Interest Margin

profitability

Value: 2.60%

Peer Median: 3.93%

#2552 of 2664 Bottom 4.2% in $100M-$1B

2262

Total Loans

size

Value: $88.74M

Peer Median: $255.72M

#2262 of 2664 Bottom 15.1% in $100M-$1B

2172

Total Assets

size

Value: $166.49M

Peer Median: $386.08M

#2172 of 2664 Bottom 18.5% in $100M-$1B

2063

Total Deposits

size

Value: $155.65M

Peer Median: $327.97M

#2063 of 2664 Bottom 22.6% in $100M-$1B