BlastPoint's Banking Scorecard

Fleetwood Bank

Micro Specialty: Other PA FDIC cert 13561

Designations: ✓ Community bank

Fleetwood, PA

2498 banks in Micro tier nationally 44 in PA

View Micro leaderboard (PA) →

Fleetwood Bank shows stable performance across key metrics

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$401.6M +3.0% YoY +2.4% QoQ	+$184.1M	$217.5M +2.3% YoY	$3.0B +6.6% YoY	$5.9B +6.5% YoY	Top 12% in tier
Total Loans ?	$237.3M +8.0% YoY +3.7% QoQ	+$98.1M	$139.2M +2.8% YoY	$2.2B +7.9% YoY	$3.1B +8.5% YoY	82%
Total Deposits ?	$355.6M -1.4% YoY -1.1% QoQ	+$171.9M	$183.7M +1.8% YoY	$2.5B +6.7% YoY	$4.7B +6.3% YoY	Top 9% in tier
Return on Assets ?	0.61% +68.1% YoY +1.2% QoQ	-0.47%	1.08% +14.7% YoY	0.80% +34.8% YoY	1.12% +15.6% YoY	23%
Net Interest Margin ?	3.30% +18.0% YoY +1.1% QoQ	-0.56%	3.85% +6.6% YoY	3.23% +9.5% YoY	3.75% +7.1% YoY	25%
Efficiency Ratio ?	79.36% -5.0% YoY -0.5% QoQ	+11.63%	67.73% -4.8% YoY	70.08% -6.4% YoY	65.09% -5.1% YoY	21%
Delinquency Rate ?	0.59% -2.1% YoY -4.9% QoQ	-0.05%	0.64% +24.4% YoY	0.65% +5.6% YoY	0.66% +20.3% YoY	41%
Loan-to-Deposit Ratio ?	66.73% +9.6% YoY +4.9% QoQ	-7.80%	74.53% +0.5% YoY	84.39% -0.1% YoY	78.04% +0.7% YoY	66%
Non-Interest-Bearing Deposit Share ?	21.44% +7.4% YoY +4.7% QoQ	-0.95%	22.39% -1.3% YoY	17.53% +0.3% YoY	21.79% -1.3% YoY	49%
Nonperforming Asset Ratio ?	0.35% +2.6% YoY -3.7% QoQ	-0.10%	0.45% +25.1% YoY	0.48% +10.7% YoY	0.48% +20.8% YoY	46%
Tier 1 Capital Ratio ?	12.88% -6.8% YoY -3.4% QoQ	+4.03%	8.85% -3.4% YoY	11.49% +7.4% YoY	9.75% -1.9% YoY	63%
Non-Interest Income / Assets ?	0.39% -4.1% YoY +30.6% QoQ	-0.17%	0.56% +0.3% YoY	0.53% +5.0% YoY	0.65% +0.6% YoY	54%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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%

Compare against:

Comparing against 2498 peers in Micro tier

Top Strengths

Total Deposits

Current: $355.6M · Tier avg: $183.7M

91th pctile

Total Assets

Current: $401.6M · Tier avg: $217.5M

88th pctile

Total Loans

Current: $237.3M · Tier avg: $139.2M

82th pctile

Loan-to-Deposit Ratio

Current: 66.73% · Tier avg: 74.53%

66th pctile

Tier 1 Capital Ratio

Current: 12.88% · Tier avg: 8.85%

63th pctile

Non-Interest Income / Assets

Current: 0.39% · Tier avg: 0.56%

54th pctile

Non-Interest-Bearing Deposit Share

Current: 21.44% · Tier avg: 22.39%

49th pctile

Nonperforming Asset Ratio

Current: 0.35% · Tier avg: 0.45%

46th pctile

Delinquency Rate

Current: 0.59% · Tier avg: 0.64%

41th pctile

Net Interest Margin

Current: 3.30% · Tier avg: 3.85%

25th pctile

Return on Assets

Current: 0.61% · Tier avg: 1.08%

23th pctile

Efficiency Ratio

Current: 79.36% · Tier avg: 67.73%

21th pctile

Top Weaknesses