BlastPoint's Banking Scorecard
NEXTIER BANK, NATIONAL ASSOCIATION
Kittanning, PA
34 branches across PA · NY · AZ
NEXTIER BANK, NATIONAL ASSOCIATION has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 10.51% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 47.9% in tier
- - Flatlined Growth: Bottom 50.0% in tier
- - ROA 0.10% below tier average
- - Net Interest Margin 0.21% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.9B
+0.4% YoY
-2.6% QoQ
|
+$37.9M |
$2.8B
-0.1% YoY
|
$3.1B
+7.0% YoY
|
$6.2B
+9.1% YoY
|
67% |
| Total Loans ? |
$2.2B
+3.8% YoY
+0.4% QoQ
|
+$206.5M |
$2.0B
+0.6% YoY
|
$2.2B
+7.7% YoY
|
$3.2B
+10.8% YoY
|
71% |
| Total Deposits ? |
$2.5B
+0.3% YoY
-2.4% QoQ
|
+$135.4M |
$2.3B
-0.3% YoY
|
$2.6B
+7.1% YoY
|
$4.8B
+8.2% YoY
|
69% |
| Return on Assets ? |
1.27%
+4.0% YoY
-9.7% QoQ
|
-0.10% |
1.37%
+19.6% YoY
|
1.46%
+26.2% YoY
|
1.23%
+13.4% YoY
|
54% |
| Net Interest Margin ? |
3.60%
+4.7% YoY
+0.9% QoQ
|
-0.21% |
3.82%
+6.9% YoY
|
3.32%
+8.7% YoY
|
3.89%
+5.7% YoY
|
48% |
| Efficiency Ratio ? |
50.55%
-1.5% YoY
+4.6% QoQ
|
-10.51% |
61.06%
-4.6% YoY
|
69.09%
-7.7% YoY
|
66.95%
-4.1% YoY
|
78% |
| Delinquency Rate ? |
1.56%
+57.0% YoY
+24.3% QoQ
|
+0.68% |
0.89%
+14.1% YoY
|
0.92%
+20.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 14.7% in tier |
| Loan-to-Deposit Ratio ? |
87.60%
+3.4% YoY
+2.9% QoQ
|
+3.39% |
84.20%
+0.3% YoY
|
83.35%
-0.2% YoY
|
76.70%
+0.9% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
20.18%
+2.5% YoY
+1.8% QoQ
|
-1.11% |
21.29%
-2.5% YoY
|
17.71%
-0.1% YoY
|
22.01%
-1.2% YoY
|
53% |
| Nonperforming Asset Ratio ? |
1.21%
+64.1% YoY
+27.7% QoQ
|
+0.54% |
0.67%
+15.6% YoY
|
0.67%
+14.7% YoY
|
0.67%
+19.3% YoY
|
15% |
| Tier 1 Capital Ratio ? |
11.75%
-0.2% YoY
+3.1% QoQ
|
-3.41% |
15.16%
+2.0% YoY
|
20.10%
+0.3% YoY
|
17.06%
+0.8% YoY
|
28% |
| Non-Interest Income / Assets ? |
0.07%
+12.9% YoY
-79.4% QoQ
|
-0.19% |
0.26%
+1.6% YoY
|
0.69%
+18.0% YoY
|
0.32%
+4.1% YoY
|
17% |
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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 (0)
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.