BlastPoint's Banking Scorecard
Artisans' Bank
Community
Specialty: Commercial
DE
FDIC cert 17123
Designations: ✓ Mutual
Wilmington, DE
1484
banks in Community tier nationally
3 in DE
View Community leaderboard (DE) →
Artisans' Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 31% in Community
- - Non-Interest-Bearing Deposit Share 15.58% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$714.7M
+2.8% YoY
-0.2% QoQ
|
-$676.8M |
$1.4B
+2.0% YoY
|
$70.8B
-0.9% YoY
|
$5.9B
+6.5% YoY
|
28% |
| Total Loans ? |
$510.1M
+1.5% YoY
+1.3% QoQ
|
-$465.4M |
$975.5M
+2.4% YoY
|
$38.1B
+1.1% YoY
|
$3.1B
+8.5% YoY
|
32% |
| Total Deposits ? |
$640.0M
+3.8% YoY
-0.5% QoQ
|
-$524.6M |
$1.2B
+1.7% YoY
|
$56.7B
+1.4% YoY
|
$4.7B
+6.3% YoY
|
32% |
| Return on Assets ? |
0.48%
+21.8% YoY
+12.9% QoQ
|
-0.69% |
1.16%
+17.2% YoY
|
2.49%
+4.3% YoY
|
1.12%
+15.6% YoY
|
Bottom 10% in tier |
| Net Interest Margin ? |
3.23%
+4.7% YoY
+1.1% QoQ
|
-0.44% |
3.66%
+9.1% YoY
|
4.25%
-12.2% YoY
|
3.75%
+7.1% YoY
|
26% |
| Efficiency Ratio ? |
81.67%
-2.3% YoY
-1.7% QoQ
|
+19.04% |
62.63%
-5.3% YoY
|
56.99%
-1.1% YoY
|
65.09%
-5.1% YoY
|
Bottom 9% in tier |
| Delinquency Rate ? |
0.28%
-12.7% YoY
-27.9% QoQ
|
-0.35% |
0.63%
+18.3% YoY
|
1.71%
-0.6% YoY
|
0.66%
+20.3% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
79.70%
-2.3% YoY
+1.8% QoQ
|
-3.36% |
83.06%
+0.3% YoY
|
76.04%
+10.2% YoY
|
78.04%
+0.7% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
5.46%
-3.5% YoY
-2.5% QoQ
|
-15.58% |
21.05%
-0.9% YoY
|
24.33%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 4% in tier |
| Nonperforming Asset Ratio ? |
0.20%
-13.8% YoY
-26.8% QoQ
|
-0.30% |
0.50%
+20.3% YoY
|
0.35%
-1.4% YoY
|
0.48%
+20.8% YoY
|
65% |
| Tier 1 Capital Ratio ? |
12.92%
+3.8% YoY
-0.6% QoQ
|
+2.68% |
10.24%
-0.6% YoY
|
13.96%
+2.6% YoY
|
9.75%
-1.9% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.36%
-2.5% YoY
+45.7% QoQ
|
-0.38% |
0.74%
-1.3% YoY
|
2.13%
+17.1% YoY
|
0.65%
+0.6% YoY
|
30% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Efficiency Drag
risk
#48 of 152 · Bottom 31% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
81.67%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Non-Interest-Bearing Deposit Share
metric
Bottom 4%
in Community
Why this stands out
Current:
5.46%
(Tier avg: 21.05%, National avg: 21.79%)
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
65
65th pctile
Nonperforming Asset Ratio
Current: 0.20% · Tier avg: 0.50%
63
63th pctile
Delinquency Rate
Current: 0.28% · Tier avg: 0.63%
62
62th pctile
Loan-to-Deposit Ratio
Current: 79.70% · Tier avg: 83.06%
57
57th pctile
Tier 1 Capital Ratio
Current: 12.92% · Tier avg: 10.24%
32
32th pctile
Total Loans
Current: $510.1M · Tier avg: $975.5M
32
32th pctile
Total Deposits
Current: $640.0M · Tier avg: $1.2B
30
30th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.74%
28
28th pctile
Total Assets
Current: $714.7M · Tier avg: $1.4B
26
26th pctile
Net Interest Margin
Current: 3.23% · Tier avg: 3.66%
10
10th pctile
Return on Assets
Current: 0.48% · Tier avg: 1.16%
9
9th pctile
Efficiency Ratio
Current: 81.67% · Tier avg: 62.63%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 5.46% · Tier avg: 21.05%
Top Weaknesses
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 5.46% · Tier avg: 21.05%
9
9th pctile
Efficiency Ratio
Current: 81.67% · Tier avg: 62.63%
10
10th pctile
Return on Assets
Current: 0.48% · Tier avg: 1.16%
26
26th pctile
Net Interest Margin
Current: 3.23% · Tier avg: 3.66%
28
28th pctile
Total Assets
Current: $714.7M · Tier avg: $1.4B
30
30th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.74%
32
32th pctile
Total Deposits
Current: $640.0M · Tier avg: $1.2B
32
32th pctile
Total Loans
Current: $510.1M · Tier avg: $975.5M
57
57th pctile
Tier 1 Capital Ratio
Current: 12.92% · Tier avg: 10.24%
62
62th pctile
Loan-to-Deposit Ratio
Current: 79.70% · Tier avg: 83.06%
63
63th pctile
Delinquency Rate
Current: 0.28% · Tier avg: 0.63%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.20% · Tier avg: 0.50%