BlastPoint's Banking Scorecard
Elderton State Bank
Micro
Specialty: Commercial
PA
FDIC cert 12985
Designations: ✓ Community bank
Elderton, PA
2498
banks in Micro tier nationally
44 in PA
View Micro leaderboard (PA) →
Elderton State Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 18.37% below tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 30.83% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$441.7M
+13.4% YoY
+3.7% QoQ
|
+$224.2M |
$217.5M
+2.3% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
Top 6% in tier |
| Total Loans ? |
$363.5M
+13.2% YoY
+2.8% QoQ
|
+$224.3M |
$139.2M
+2.8% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
Top 2% in tier |
| Total Deposits ? |
$345.0M
+8.2% YoY
+2.9% QoQ
|
+$161.3M |
$183.7M
+1.8% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
Top 11% in tier |
| Return on Assets ? |
1.43%
+20.5% YoY
-2.4% QoQ
|
+0.34% |
1.08%
+14.7% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
71% |
| Net Interest Margin ? |
3.60%
+7.8% YoY
+1.4% QoQ
|
-0.26% |
3.85%
+6.6% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
39% |
| Efficiency Ratio ? |
49.35%
-13.6% YoY
-0.7% QoQ
|
-18.37% |
67.73%
-4.8% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
Top 9% in tier |
| Delinquency Rate ? |
1.21%
-21.3% YoY
+41.3% QoQ
|
+0.58% |
0.64%
+24.4% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
105.36%
+4.6% YoY
-0.1% QoQ
|
+30.83% |
74.53%
+0.5% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.47%
-6.7% YoY
+2.3% QoQ
|
-8.92% |
22.39%
-1.3% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
19% |
| Nonperforming Asset Ratio ? |
1.00%
-21.5% YoY
+40.1% QoQ
|
+0.55% |
0.45%
+25.1% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
19% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.25%
+5.8% YoY
+26.0% QoQ
|
-0.31% |
0.56%
+0.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
33% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
49.35%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
105.36%
(Tier avg: 74.53%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Total Loans
Current: $363.5M · Tier avg: $139.2M
94
94th pctile
Total Assets
Current: $441.7M · Tier avg: $217.5M
91
91th pctile
Efficiency Ratio
Current: 49.35% · Tier avg: 67.73%
89
89th pctile
Total Deposits
Current: $345.0M · Tier avg: $183.7M
71
71th pctile
Return on Assets
Current: 1.43% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
39
39th pctile
Net Interest Margin
Current: 3.60% · Tier avg: 3.85%
33
33th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
24
24th pctile
Delinquency Rate
Current: 1.21% · Tier avg: 0.64%
19
19th pctile
Nonperforming Asset Ratio
Current: 1.00% · Tier avg: 0.45%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.47% · Tier avg: 22.39%
5
5th pctile
Loan-to-Deposit Ratio
Current: 105.36% · Tier avg: 74.53%
Top Weaknesses
5
5th pctile
Loan-to-Deposit Ratio
Current: 105.36% · Tier avg: 74.53%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.47% · Tier avg: 22.39%
19
19th pctile
Nonperforming Asset Ratio
Current: 1.00% · Tier avg: 0.45%
24
24th pctile
Delinquency Rate
Current: 1.21% · Tier avg: 0.64%
33
33th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
39
39th pctile
Net Interest Margin
Current: 3.60% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
71
71th pctile
Return on Assets
Current: 1.43% · Tier avg: 1.08%
89
89th pctile
Total Deposits
Current: $345.0M · Tier avg: $183.7M
91
91th pctile
Efficiency Ratio
Current: 49.35% · Tier avg: 67.73%
94
94th pctile
Total Assets
Current: $441.7M · Tier avg: $217.5M
98
98th pctile
Total Loans
Current: $363.5M · Tier avg: $139.2M