BlastPoint's Banking Scorecard

The Neffs National Bank

$100M-$1B Specialty: Other PA FDIC cert 7646

Neffs, PA

3 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 +3.2% year over year ($371.9M on the books).
Delinquency rate 0.04%.
Return on assets 0.53%.
Efficiency ratio 78.92% vs a 64.48% peer average.
Loan-to-deposit ratio 68.80% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 55 in PA

View $100M-$1B leaderboard (PA) →

The Neffs National Bank has 1 strength but faces 4 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

+ Credit Quality Leader: Top 20.6% in tier

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 13.4% in tier
- Net Interest Margin 1.32% below tier average
- ROA 0.79% below tier average
- Efficiency Ratio 14.44% above tier average

Get updates when The Neffs National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$470.8M +0.7% YoY +0.9% QoQ	+$84.2M	$386.6M +1.2% YoY	$3.1B +7.3% YoY	$6.3B +7.7% YoY	69%
Total Loans ?	$255.9M +3.9% YoY +1.5% QoQ	-$2.5M	$258.3M +1.7% YoY	$2.3B +8.0% YoY	$3.2B +9.4% YoY	60%
Total Deposits ?	$371.9M +3.2% YoY +1.8% QoQ	+$45.2M	$326.7M +0.7% YoY	$2.6B +7.1% YoY	$4.9B +7.3% YoY	66%
Return on Assets ?	0.53% -12.2% YoY +6.6% QoQ	-0.79%	1.32% +10.8% YoY	1.63% +26.6% YoY	1.30% +12.1% YoY	Bottom 13.2% in tier
Net Interest Margin ?	2.67% +13.5% YoY +2.8% 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 ?	78.92% +2.4% YoY -2.0% QoQ	+14.44%	64.48% -3.2% YoY	66.68% -6.6% YoY	70.05% +2.5% YoY	Bottom 14.8% in tier
Delinquency Rate ?	0.04% -30.0% YoY +7.9% QoQ	-0.88%	0.92% +15.7% YoY	0.92% +32.0% YoY	0.98% +16.3% YoY	81%
Loan-to-Deposit Ratio ?	68.80% +0.6% YoY -0.3% QoQ	-9.16%	77.95% +1.0% YoY	84.75% +0.9% YoY	79.03% +2.3% YoY	71%
Non-Interest-Bearing Deposit Share ?	22.87% +0.5% YoY +3.8% QoQ	+0.84%	22.03% -0.6% YoY	18.04% +1.4% YoY	21.98% -0.6% YoY	59%
Nonperforming Asset Ratio ?	0.09% -18.3% YoY -1.1% QoQ	-0.58%	0.67% +16.4% YoY	0.67% +21.3% YoY	0.69% +15.8% YoY	73%
Tier 1 Capital Ratio ?	16.82% +1.5% YoY +1.2% QoQ	+0.92%	15.91% +1.4% YoY	19.93% +0.1% YoY	17.09% +0.8% YoY	76%
Non-Interest Income / Assets ?	0.07% +112.2% YoY +117.4% QoQ	-0.49%	0.57% +7.6% YoY	1.47% +21.0% YoY	0.66% +5.2% YoY	Bottom 10.8% in tier

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	22.9% +0.1pp YoY +0.8pp QoQ	+0.7pp	22.1%	18.7%	22.2%	59%
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	1.4% -0.1pp YoY -0.1pp QoQ	-10.1pp	11.6%	8.6%	12.5%	4%
CRE	33.9% +2.3pp YoY +0.8pp QoQ	-5.6pp	39.5%	37.9%	41.4%	42%
1-4 Family	49.3% -0.9pp YoY -0.2pp QoQ	+16.6pp	32.6%	47.8%	31.3%	82%
Consumer	9.8% -0.6pp YoY -0.2pp QoQ	+5.7pp	4.1%	3.8%	5.0%	92%

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	16.8% +0.3pp YoY +0.2pp QoQ	+4.7pp	12.2%	13.2%	12.6%	93%
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	58 +4 (+7.4%) YoY -1 (-1.7%) QoQ	-1	58	299	482	61%
Assets per Employee ($)	$8.1M -6.2% YoY +2.6% QoQ	+$599K	$7.5M	$9.2M	$8.8M	69%
Branch Count	3 +1 (+50.0%) YoY 0 QoQ	-2	4	20	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY	-0.3pp	0.3%	0.2%	0.4%	11%
Nonaccrual	0.2% 0.0pp YoY 0.0pp QoQ	-0.8pp	0.9%	0.9%	1.0%	25%
Allowance Coverage	22.37x +44.4% YoY -7.0% QoQ	-1.79x	24.15x	3.63x	20.23x	89%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	35%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
ROE	3.5% -0.6pp YoY +0.2pp QoQ	-8.7pp	12.2%	10.2%	11.6%	9%
Cost of Funds (YTD)	1.5% -0.1pp YoY 0.0pp QoQ	-0.2pp	1.7%	1.8%	1.7%	38%
Net Income ($, YTD)	$1.2M -10.9% YoY — QoQ	-$1.3M	$2.6M	$18.2M	$40.4M	34%

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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 (1)

Credit Quality Leader

growth

#137 of 659 • Top 20.6% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.04%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank declining

Concerns (1)

Flatlined Growth

risk

#72 of 529 • Bottom 13.4% 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: 0.53%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

505

Delinquency Rate

credit_quality

Value: 0.04%

Peer Median: 0.92%

#505 of 2633 Top 19.1% in $100M-$1B

628

Tier 1 Capital Ratio

capital

Value: 16.82%

Peer Median: 15.91%

#628 of 2643 Top 23.7% in $100M-$1B

Top Weaknesses (4 metrics)

2525

Net Interest Margin

profitability

Value: 2.67%

Peer Median: 3.99%

#2525 of 2643 Bottom 4.5% in $100M-$1B

2359

Non-Interest Income / Assets

revenue_mix

Value: 0.07%

Peer Median: 0.57%

#2359 of 2643 Bottom 10.8% in $100M-$1B

2295

Return on Assets

profitability

Value: 0.53%

Peer Median: 1.32%

#2295 of 2643 Bottom 13.2% in $100M-$1B

2252

Efficiency Ratio

profitability

Value: 78.92%

Peer Median: 64.48%

#2252 of 2643 Bottom 14.8% in $100M-$1B