BlastPoint's Banking Scorecard

New Tripoli Bank

$100M-$1B Specialty: Commercial PA FDIC cert 7659

New Tripoli, 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 +6.5% year over year ($600.4M on the books).
Delinquency rate 0.90%.
Return on assets 1.17%.
Efficiency ratio 57.73% vs a 64.48% peer average.
Loan-to-deposit ratio 86.46% 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) →

New Tripoli 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

+ Efficiency Ratio 6.75% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 16.6% in tier
- Capital Thin: Bottom 33.0% in tier
- Credit Quality Pressure: Bottom 46.7% in tier
- ROA 0.16% below tier average
- Net Interest Margin 0.65% below tier average

Get updates when New Tripoli 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 ?	$674.0M +2.1% YoY +0.2% QoQ	+$287.4M	$386.6M +1.2% YoY	$3.1B +7.3% YoY	$6.3B +7.7% YoY	Top 14.0% in tier
Total Loans ?	$519.1M +3.4% YoY -0.4% QoQ	+$260.7M	$258.3M +1.7% YoY	$2.3B +8.0% YoY	$3.2B +9.4% YoY	Top 10.0% in tier
Total Deposits ?	$600.4M +6.5% YoY +1.4% QoQ	+$273.6M	$326.7M +0.7% YoY	$2.6B +7.1% YoY	$4.9B +7.3% YoY	Top 12.3% in tier
Return on Assets ?	1.17% +102.6% YoY +11.8% QoQ	-0.16%	1.32% +10.8% YoY	1.63% +26.6% YoY	1.30% +12.1% YoY	45%
Net Interest Margin ?	3.34% +23.1% YoY +1.8% QoQ	-0.65%	3.99% +5.0% YoY	3.40% +8.7% YoY	3.95% +4.9% YoY	21%
Efficiency Ratio ?	57.73% -18.9% YoY -6.2% QoQ	-6.75%	64.48% -3.2% YoY	66.68% -6.6% YoY	70.05% +2.5% YoY	64%
Delinquency Rate ?	0.90% +29.5% YoY +1.1% QoQ	-0.02%	0.92% +15.7% YoY	0.92% +32.0% YoY	0.98% +16.3% YoY	31%
Loan-to-Deposit Ratio ?	86.46% -2.9% YoY -1.8% QoQ	+8.50%	77.95% +1.0% YoY	84.75% +0.9% YoY	79.03% +2.3% YoY	34%
Non-Interest-Bearing Deposit Share ?	17.71% +3.3% YoY -1.4% QoQ	-4.32%	22.03% -0.6% YoY	18.04% +1.4% YoY	21.98% -0.6% YoY	35%
Nonperforming Asset Ratio ?	0.69% +31.1% YoY +0.5% QoQ	+0.02%	0.67% +16.4% YoY	0.67% +21.3% YoY	0.69% +15.8% YoY	31%
Tier 1 Capital Ratio ?	10.63% +2.3% YoY +0.0% QoQ	-5.28%	15.91% +1.4% YoY	19.93% +0.1% YoY	17.09% +0.8% YoY	19%
Non-Interest Income / Assets ?	0.14% +14.1% YoY +90.1% QoQ	-0.43%	0.57% +7.6% YoY	1.47% +21.0% YoY	0.66% +5.2% YoY	31%

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	17.7% +0.6pp YoY -0.2pp QoQ	-4.4pp	22.1%	18.7%	22.2%	35%
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	6.6% -0.1pp YoY +0.1pp QoQ	-5.0pp	11.6%	8.6%	12.5%	30%
CRE	40.2% +3.9pp YoY +0.1pp QoQ	+0.6pp	39.5%	37.9%	41.4%	53%
1-4 Family	50.7% -3.4pp YoY -0.2pp QoQ	+18.1pp	32.6%	47.8%	31.3%	83%
Consumer	0.2% -0.1pp YoY 0.0pp QoQ	-3.9pp	4.1%	3.8%	5.0%	10%

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	10.6% +0.2pp YoY 0.0pp QoQ	-1.5pp	12.2%	13.2%	12.6%	44%
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	67 +5 (+8.1%) YoY +4 (+6.3%) QoQ	+8	58	299	482	68%
Assets per Employee ($)	$10.1M -5.5% YoY -5.8% QoQ	+$2.5M	$7.5M	$9.2M	$8.8M	86%
Branch Count	3 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	0.1%	-0.2pp	0.3%	0.2%	0.4%	53%
Nonaccrual	0.8% +0.1pp YoY -0.1pp QoQ	-0.1pp	0.9%	0.9%	1.0%	66%
Allowance Coverage	1.22x -24.1% YoY -1.8% QoQ	-22.93x	24.15x	3.63x	20.23x	33%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	27%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
ROE	15.3% +7.1pp YoY +1.4pp QoQ	+3.1pp	12.2%	10.2%	11.6%	69%
Cost of Funds (YTD)	1.8% -0.3pp YoY 0.0pp QoQ	+0.1pp	1.7%	1.8%	1.7%	56%
Net Income ($, YTD)	$3.9M +110.9% YoY — QoQ	+$1.4M	$2.6M	$18.2M	$40.4M	80%

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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

#156 of 936 • Bottom 16.6% in tier

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

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

Capital Thin

risk

#219 of 661 • Bottom 33.0% 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: 10.63%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Credit Quality Pressure

risk

#587 of 1256 • Bottom 46.7% in tier

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

Why this signature

Delinquency Rate: 0.90%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

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 (3 metrics)

264

Total Loans

size

Value: $519.06M

Peer Median: $258.35M

#264 of 2643 Top 10.0% in $100M-$1B

326

Total Deposits

size

Value: $600.38M

Peer Median: $326.73M

#326 of 2643 Top 12.3% in $100M-$1B

370

Total Assets

size

Value: $673.98M

Peer Median: $386.57M

#370 of 2643 Top 14.0% in $100M-$1B

Top Weaknesses (2 metrics)

2147

Tier 1 Capital Ratio

capital

Value: 10.63%

Peer Median: 15.91%

#2147 of 2643 Bottom 18.8% in $100M-$1B

2091

Net Interest Margin

profitability

Value: 3.34%

Peer Median: 3.99%

#2091 of 2643 Bottom 20.9% in $100M-$1B