BlastPoint's Banking Scorecard
Kish Bank
Community
Specialty: Commercial
PA
FDIC cert 14969
Belleville, PA
1484
banks in Community tier nationally
51 in PA
View Community leaderboard (PA) →
Kish Bank shows strong momentum with 2 strengths and 16.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 45% in Community
- + Loan-to-Deposit Ratio 30.97% above tier
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 ? |
$2.0B
+16.6% YoY
+2.1% QoQ
|
+$581.6M |
$1.4B
+2.0% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
79% |
| Total Loans ? |
$1.7B
+19.4% YoY
+3.0% QoQ
|
+$714.7M |
$975.5M
+2.4% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
85% |
| Total Deposits ? |
$1.5B
+13.7% YoY
+6.2% QoQ
|
+$317.6M |
$1.2B
+1.7% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
76% |
| Return on Assets ? |
1.10%
+7.7% YoY
+5.2% QoQ
|
-0.07% |
1.16%
+17.2% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
47% |
| Net Interest Margin ? |
3.50%
+3.3% YoY
+0.9% QoQ
|
-0.16% |
3.66%
+9.1% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
42% |
| Efficiency Ratio ? |
64.33%
-4.1% YoY
-2.1% QoQ
|
+1.70% |
62.63%
-5.3% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
44% |
| Delinquency Rate ? |
0.04%
-25.0% YoY
+3.7% QoQ
|
-0.59% |
0.63%
+18.3% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
Top 10% in tier |
| Loan-to-Deposit Ratio ? |
114.03%
+5.0% YoY
-3.0% QoQ
|
+30.97% |
83.06%
+0.3% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Top 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.76%
+1.1% YoY
-3.2% QoQ
|
-7.29% |
21.05%
-0.9% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
21% |
| Nonperforming Asset Ratio ? |
0.03%
-23.3% YoY
+4.6% QoQ
|
-0.47% |
0.50%
+20.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
Top 11% in tier |
| Tier 1 Capital Ratio ? |
9.84%
-1.0% YoY
+0.5% QoQ
|
-0.40% |
10.24%
-0.6% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.68%
-3.9% YoY
+31.3% QoQ
|
-0.06% |
0.74%
-1.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
68% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#166 of 371 · Top 45% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.04%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Loan-to-Deposit Ratio
metric
Top 2%
in Community
Why this stands out
Current:
114.03%
(Tier avg: 83.06%, National avg: 78.04%)
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%
Top Strengths
98
98th pctile
Loan-to-Deposit Ratio
Current: 114.03% · Tier avg: 83.06%
90
90th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.63%
89
89th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%
85
85th pctile
Total Loans
Current: $1.7B · Tier avg: $975.5M
79
79th pctile
Total Assets
Current: $2.0B · Tier avg: $1.4B
76
76th pctile
Total Deposits
Current: $1.5B · Tier avg: $1.2B
68
68th pctile
Non-Interest Income / Assets
Current: 0.68% · Tier avg: 0.74%
47
47th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.16%
44
44th pctile
Efficiency Ratio
Current: 64.33% · Tier avg: 62.63%
42
42th pctile
Net Interest Margin
Current: 3.50% · Tier avg: 3.66%
30
30th pctile
Tier 1 Capital Ratio
Current: 9.84% · Tier avg: 10.24%
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 13.76% · Tier avg: 21.05%
Top Weaknesses
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 13.76% · Tier avg: 21.05%
30
30th pctile
Tier 1 Capital Ratio
Current: 9.84% · Tier avg: 10.24%
42
42th pctile
Net Interest Margin
Current: 3.50% · Tier avg: 3.66%
44
44th pctile
Efficiency Ratio
Current: 64.33% · Tier avg: 62.63%
47
47th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.16%
68
68th pctile
Non-Interest Income / Assets
Current: 0.68% · Tier avg: 0.74%
76
76th pctile
Total Deposits
Current: $1.5B · Tier avg: $1.2B
79
79th pctile
Total Assets
Current: $2.0B · Tier avg: $1.4B
85
85th pctile
Total Loans
Current: $1.7B · Tier avg: $975.5M
89
89th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%
90
90th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.63%
98
98th pctile
Loan-to-Deposit Ratio
Current: 114.03% · Tier avg: 83.06%