BlastPoint's Banking Scorecard

The Turbotville National Bank

$100M-$1B Specialty: Agricultural PA FDIC cert 7789

Turbotville, PA

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

The Turbotville National Bank has 2 strengths but faces 2 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

+ Profitability Leader: Top 17.3% in tier
+ Efficiency Ratio 28.99% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 39.5% in tier
- Delinquency Rate 0.20% 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 ?	$235.8M +11.5% YoY +5.8% QoQ	-$150.3M	$386.1M +0.5% YoY	$3.1B +7.0% YoY	$6.2B +9.1% YoY	34%
Total Loans ?	$172.2M +13.9% YoY +1.1% QoQ	-$83.6M	$255.7M +1.1% YoY	$2.2B +7.7% YoY	$3.2B +10.8% YoY	42%
Total Deposits ?	$195.9M +11.6% YoY +6.2% QoQ	-$132.1M	$328.0M +0.1% YoY	$2.6B +7.1% YoY	$4.8B +8.2% YoY	33%
Return on Assets ?	2.19% +32.3% YoY +27.6% QoQ	+0.92%	1.27% +12.9% YoY	1.46% +26.2% YoY	1.23% +13.4% YoY	Top 8.7% in tier
Net Interest Margin ?	3.90% +14.0% YoY +4.9% QoQ	-0.03%	3.93% +6.0% YoY	3.32% +8.7% YoY	3.89% +5.7% YoY	52%
Efficiency Ratio ?	36.29% -16.7% YoY -17.9% QoQ	-28.99%	65.29% -4.5% YoY	69.09% -7.7% YoY	66.95% -4.1% YoY	Top 2.1% in tier
Delinquency Rate ?	1.09% -11.5% YoY -1.5% QoQ	+0.20%	0.89% +18.8% YoY	0.92% +20.5% YoY	0.95% +18.8% YoY	26%
Loan-to-Deposit Ratio ?	87.89% +2.1% YoY -4.9% QoQ	+11.25%	76.64% +0.8% YoY	83.35% -0.2% YoY	76.70% +0.9% YoY	29%
Non-Interest-Bearing Deposit Share ?	15.27% +4.7% YoY +5.1% QoQ	-6.75%	22.02% -1.0% YoY	17.71% -0.1% YoY	22.01% -1.2% YoY	25%
Nonperforming Asset Ratio ?	0.79% -9.7% YoY -5.9% QoQ	+0.15%	0.64% +19.7% YoY	0.67% +14.7% YoY	0.67% +19.3% YoY	26%
Tier 1 Capital Ratio ?	16.96% -1.4% YoY +0.5% QoQ	+1.13%	15.83% +1.5% YoY	20.10% +0.3% YoY	17.06% +0.8% YoY	77%
Non-Interest Income / Assets ?	0.06% +20.1% YoY -69.9% QoQ	-0.22%	0.28% +9.3% YoY	0.69% +18.0% YoY	0.32% +4.1% YoY	25%

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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)

Profitability Leader

growth

#116 of 666 • Top 17.3% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.19%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk

#293 of 739 • Bottom 39.5% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 16.96%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 87.89%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 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)

Efficiency Ratio

profitability

Value: 36.29%

Peer Median: 65.29%

#57 of 2664 Top 2.1% in $100M-$1B

232

Return on Assets

profitability

Value: 2.19%

Peer Median: 1.27%

#232 of 2664 Top 8.7% in $100M-$1B

622

Tier 1 Capital Ratio

capital

Value: 16.96%

Peer Median: 15.83%

#622 of 2664 Top 23.3% in $100M-$1B

Top Weaknesses (1 metrics)

2009

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.28%

#2009 of 2664 Bottom 24.6% in $100M-$1B