BlastPoint's Banking Scorecard

First United National Bank

$100M-$1B Specialty: Mortgage PA FDIC cert 7886

Fryburg, PA

7 branches across PA

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

First United National Bank faces 5 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 9.2% in tier
- Efficiency Drag: Bottom 32.8% in tier
- Credit Quality Pressure: Bottom 40.4% in tier
- Net Interest Margin 1.01% below tier average
- ROA 0.75% below 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 ?	$369.9M +3.1% YoY +0.7% QoQ	-$16.1M	$386.1M +0.5% YoY	$3.1B +7.0% YoY	$6.2B +9.1% YoY	57%
Total Loans ?	$201.7M +3.4% YoY +0.7% QoQ	-$54.0M	$255.7M +1.1% YoY	$2.2B +7.7% YoY	$3.2B +10.8% YoY	49%
Total Deposits ?	$347.0M +1.7% YoY +0.6% QoQ	+$19.0M	$328.0M +0.1% YoY	$2.6B +7.1% YoY	$4.8B +8.2% YoY	62%
Return on Assets ?	0.52% +51.7% YoY +1.8% QoQ	-0.75%	1.27% +12.9% YoY	1.46% +26.2% YoY	1.23% +13.4% YoY	Bottom 13.6% in tier
Net Interest Margin ?	2.92% +16.3% YoY +6.7% QoQ	-1.01%	3.93% +6.0% YoY	3.32% +8.7% YoY	3.89% +5.7% YoY	Bottom 9.1% in tier
Efficiency Ratio ?	80.66% -4.4% YoY +3.4% QoQ	+15.37%	65.29% -4.5% YoY	69.09% -7.7% YoY	66.95% -4.1% YoY	Bottom 14.7% in tier
Delinquency Rate ?	0.93% +12.8% YoY +13.7% QoQ	+0.04%	0.89% +18.8% YoY	0.92% +20.5% YoY	0.95% +18.8% YoY	30%
Loan-to-Deposit Ratio ?	58.12% +1.7% YoY +0.1% QoQ	-18.52%	76.64% +0.8% YoY	83.35% -0.2% YoY	76.70% +0.9% YoY	83%
Non-Interest-Bearing Deposit Share ?	31.05% -1.6% YoY +3.5% QoQ	+9.03%	22.02% -1.0% YoY	17.71% -0.1% YoY	22.01% -1.2% YoY	84%
Nonperforming Asset Ratio ?	0.51% +13.2% YoY +13.7% QoQ	-0.13%	0.64% +19.7% YoY	0.67% +14.7% YoY	0.67% +19.3% YoY	37%
Tier 1 Capital Ratio ?	16.58% +3.7% YoY +0.4% QoQ	+0.75%	15.83% +1.5% YoY	20.10% +0.3% YoY	17.06% +0.8% YoY	75%
Non-Interest Income / Assets ?	0.10% +16.1% YoY -76.8% QoQ	-0.18%	0.28% +9.3% YoY	0.69% +18.0% YoY	0.32% +4.1% YoY	50%

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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

#90 of 973 • Bottom 9.2% 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

Efficiency Drag

risk

#137 of 414 • Bottom 32.8% in tier

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

Why this signature

Efficiency Ratio: 80.66%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable

Credit Quality Pressure

risk

#529 of 1308 • Bottom 40.4% in tier

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

Why this signature

Delinquency Rate: 0.93%

(Tier: 0.89%, National: 0.95%)

worse than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

417

Non-Interest-Bearing Deposit Share

funding

Value: 31.05%

Peer Median: 22.02%

#417 of 2664 Top 15.6% in $100M-$1B

446

Loan-to-Deposit Ratio

liquidity

Value: 58.12%

Peer Median: 76.64%

#446 of 2664 Top 16.7% in $100M-$1B

659

Tier 1 Capital Ratio

capital

Value: 16.58%

Peer Median: 15.83%

#659 of 2664 Top 24.7% in $100M-$1B

Top Weaknesses (3 metrics)

2422

Net Interest Margin

profitability

Value: 2.92%

Peer Median: 3.93%

#2422 of 2664 Bottom 9.1% in $100M-$1B

2303

Return on Assets

profitability

Value: 0.52%

Peer Median: 1.27%

#2303 of 2664 Bottom 13.6% in $100M-$1B

2274

Efficiency Ratio

profitability

Value: 80.66%

Peer Median: 65.29%

#2274 of 2664 Bottom 14.7% in $100M-$1B