BlastPoint's Banking Scorecard
The Dime Bank
Designations: ✓ Community bank
Honesdale, PA
9 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 885 banks in the $1B-$10B peer group nationwide — 1 of 37 in PA.
- Deposits +6.0% year over year ($1.0B on the books).
- Delinquency rate 1.32%.
- Return on assets 1.71%.
- Efficiency ratio 53.07% vs a 59.73% peer average.
- Loan-to-deposit ratio 84.89% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Dime Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.78% above tier average
- + ROA 0.32% above tier average
- + Efficiency Ratio 6.66% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.46% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+7.3% YoY
+4.3% QoQ
|
-$1.6B |
$2.8B
-0.6% YoY
|
$3.1B
+7.3% YoY
|
$6.3B
+7.7% YoY
|
17% |
| Total Loans ? |
$859.5M
+11.3% YoY
+3.3% QoQ
|
-$1.1B |
$2.0B
-0.3% YoY
|
$2.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
19% |
| Total Deposits ? |
$1.0B
+6.0% YoY
+2.8% QoQ
|
-$1.3B |
$2.3B
-0.5% YoY
|
$2.6B
+7.1% YoY
|
$4.9B
+7.3% YoY
|
17% |
| Return on Assets ? |
1.71%
+19.7% YoY
+2.3% QoQ
|
+0.32% |
1.39%
+17.0% YoY
|
1.63%
+26.6% YoY
|
1.30%
+12.1% YoY
|
79% |
| Net Interest Margin ? |
4.65%
+11.4% YoY
+0.3% QoQ
|
+0.78% |
3.87%
+6.2% YoY
|
3.40%
+8.7% YoY
|
3.95%
+4.9% YoY
|
Top 9.4% in tier |
| Efficiency Ratio ? |
53.07%
-7.8% YoY
+1.1% QoQ
|
-6.66% |
59.73%
-12.6% YoY
|
66.68%
-6.6% YoY
|
70.05%
+2.5% YoY
|
68% |
| Delinquency Rate ? |
1.32%
-8.2% YoY
-2.5% QoQ
|
+0.46% |
0.87%
+11.7% YoY
|
0.92%
+32.0% YoY
|
0.98%
+16.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
84.89%
+5.0% YoY
+0.5% QoQ
|
-0.15% |
85.04%
-0.1% YoY
|
84.75%
+0.9% YoY
|
79.03%
+2.3% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
21.44%
-2.8% YoY
+2.5% QoQ
|
+0.17% |
21.27%
-1.5% YoY
|
18.04%
+1.4% YoY
|
21.98%
-0.6% YoY
|
58% |
| Nonperforming Asset Ratio ? |
0.97%
-4.9% YoY
-3.4% QoQ
|
+0.30% |
0.67%
+11.7% YoY
|
0.67%
+21.3% YoY
|
0.69%
+15.8% YoY
|
23% |
| Tier 1 Capital Ratio ? |
13.95%
+1.3% YoY
-0.2% QoQ
|
-0.89% |
14.84%
-0.4% YoY
|
19.93%
+0.1% YoY
|
17.09%
+0.8% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.36%
+9.4% YoY
+91.8% QoQ
|
-0.17% |
0.53%
+2.5% YoY
|
1.47%
+21.0% YoY
|
0.66%
+5.2% YoY
|
65% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
21.4%
-0.6pp YoY +0.5pp QoQ |
+0.1pp | 21.4% | 18.7% | 22.2% | 58% |
| Brokered Deposits |
3.7%
-0.8pp YoY -0.4pp QoQ |
-5.7pp | 9.5% | 6.8% | 8.5% | 40% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
9.6%
+0.1pp YoY +0.4pp QoQ |
-4.4pp | 14.0% | 8.6% | 12.5% | 42% |
| CRE |
66.2%
+0.8pp YoY -0.2pp QoQ |
+16.2pp | 50.0% | 37.9% | 41.4% | 84% |
| 1-4 Family |
20.0%
-0.4pp YoY +0.1pp QoQ |
-6.4pp | 26.4% | 47.8% | 31.3% | 42% |
| Consumer |
3.9%
-0.3pp YoY -0.2pp QoQ |
-0.8pp | 4.7% | 3.8% | 5.0% | 78% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.9%
+0.2pp YoY 0.0pp QoQ |
-1.6pp | 15.6% | 22.3% | 19.7% | 57% |
| Leverage Ratio |
11.7%
+0.6pp YoY -0.1pp QoQ |
+0.4pp | 11.3% | 13.2% | 12.6% | 73% |
| Total Capital Ratio |
15.2%
+0.2pp YoY 0.0pp QoQ |
-1.5pp | 16.7% | 23.3% | 20.8% | 59% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
160
+9 (+6.0%) YoY +7 (+4.6%) QoQ |
-154 | 313 | 299 | 482 | 27% |
| Assets per Employee ($) |
$7.5M
+1.3% YoY -0.3% QoQ |
-$3.0M | $10.5M | $9.2M | $8.8M | 30% |
| Branch Count |
9
0 YoY 0 QoQ |
-11 | 20 | 20 | 18 | 25% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.2% | 0.4% | n/a |
| Nonaccrual |
1.3%
-0.1pp YoY 0.0pp QoQ |
+0.5pp | 0.8% | 0.9% | 1.0% | 82% |
| Allowance Coverage |
1.25x
+15.4% YoY +1.4% QoQ |
-17.46x | 18.71x | 3.63x | 20.23x | 32% |
| Net Charge-off Rate (YTD) |
0.2%
+0.2pp YoY -0.2pp QoQ |
0.0pp | 0.3% | 0.1% | 0.2% | 81% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.0%
+1.3pp YoY +0.3pp QoQ |
+3.4pp | 12.6% | 10.2% | 11.6% | 79% |
| Cost of Funds (YTD) |
1.8%
-0.3pp YoY 0.0pp QoQ |
-0.1pp | 1.9% | 1.8% | 1.7% | 46% |
| Net Income ($, YTD) |
$10.0M
+27.1% YoY — QoQ |
-$9.2M | $19.2M | $18.2M | $40.4M | 39% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.