BlastPoint's Banking Scorecard

The Neffs National Bank

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

Neffs, PA

3 branches across PA

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

The Neffs National Bank has 1 strength but faces 5 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 18.4% in tier

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 14.1% in tier
- Efficiency Drag: Bottom 16.7% in tier
- Net Interest Margin 1.33% below tier average
- Non-Interest Income / Assets 0.25% below tier average
- ROA 0.77% below tier average

Get updates when The Neffs National Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$466.8M +0.7% YoY -0.8% QoQ	+$80.7M	$386.1M +0.5% YoY	$3.1B +7.0% YoY	$6.2B +9.1% YoY	69%
Total Loans ?	$252.1M +3.6% YoY +0.2% QoQ	-$3.6M	$255.7M +1.1% YoY	$2.2B +7.7% YoY	$3.2B +10.8% YoY	60%
Total Deposits ?	$365.3M +1.2% YoY +1.6% QoQ	+$37.4M	$328.0M +0.1% YoY	$2.6B +7.1% YoY	$4.8B +8.2% YoY	65%
Return on Assets ?	0.50% -15.2% YoY -19.7% QoQ	-0.77%	1.27% +12.9% YoY	1.46% +26.2% YoY	1.23% +13.4% YoY	Bottom 13.2% in tier
Net Interest Margin ?	2.60% +12.4% YoY +6.2% QoQ	-1.33%	3.93% +6.0% YoY	3.32% +8.7% YoY	3.89% +5.7% YoY	Bottom 4.1% in tier
Efficiency Ratio ?	80.53% +7.4% YoY +8.4% QoQ	+15.24%	65.29% -4.5% YoY	69.09% -7.7% YoY	66.95% -4.1% YoY	Bottom 14.8% in tier
Delinquency Rate ?	0.04% -18.8% YoY -4.3% QoQ	-0.85%	0.89% +18.8% YoY	0.92% +20.5% YoY	0.95% +18.8% YoY	81%
Loan-to-Deposit Ratio ?	69.01% +2.3% YoY -1.4% QoQ	-7.63%	76.64% +0.8% YoY	83.35% -0.2% YoY	76.70% +0.9% YoY	68%
Non-Interest-Bearing Deposit Share ?	22.04% -1.6% YoY -1.1% QoQ	+0.02%	22.02% -1.0% YoY	17.71% -0.1% YoY	22.01% -1.2% YoY	54%
Nonperforming Asset Ratio ?	0.09% +255.1% YoY -2.8% QoQ	-0.55%	0.64% +19.7% YoY	0.67% +14.7% YoY	0.67% +19.3% YoY	72%
Tier 1 Capital Ratio ?	16.62% -0.1% YoY -0.4% QoQ	+0.79%	15.83% +1.5% YoY	20.10% +0.3% YoY	17.06% +0.8% YoY	75%
Non-Interest Income / Assets ?	0.03% +106.6% YoY -52.5% QoQ	-0.25%	0.28% +9.3% YoY	0.69% +18.0% YoY	0.32% +4.1% YoY	Bottom 9.7% in tier

Get Full Access to The Neffs National Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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

#123 of 664 • Top 18.4% 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: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (2)

Flatlined Growth

risk

#73 of 512 • Bottom 14.1% 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: 0.50%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ

Efficiency Drag

risk

#70 of 414 • Bottom 16.7% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 80.53%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable

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 (2 metrics)

499

Delinquency Rate

credit_quality

Value: 0.04%

Peer Median: 0.89%

#499 of 2654 Top 18.8% in $100M-$1B

655

Tier 1 Capital Ratio

capital

Value: 16.62%

Peer Median: 15.83%

#655 of 2664 Top 24.5% in $100M-$1B

Top Weaknesses (4 metrics)

2556

Net Interest Margin

profitability

Value: 2.60%

Peer Median: 3.93%

#2556 of 2664 Bottom 4.1% in $100M-$1B

2406

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.28%

#2406 of 2664 Bottom 9.7% in $100M-$1B

2313

Return on Assets

profitability

Value: 0.50%

Peer Median: 1.27%

#2313 of 2664 Bottom 13.2% in $100M-$1B

2270

Efficiency Ratio

profitability

Value: 80.53%

Peer Median: 65.29%

#2270 of 2664 Bottom 14.8% in $100M-$1B