BlastPoint's Banking Scorecard
The Pennsville National Bank
Micro
Specialty: Other
NJ
FDIC cert 19978
Designations: ✓ Community bank
Pennsville, NJ
2498
banks in Micro tier nationally
14 in NJ
View Micro leaderboard (NJ) →
The Pennsville National Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 13.72% 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 (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$287.6M
+1.8% YoY
+1.4% QoQ
|
+$70.1M |
$217.5M
+2.3% YoY
|
$4.2B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
70% |
| Total Loans ? |
$126.2M
+23.0% YoY
+9.6% QoQ
|
-$13.0M |
$139.2M
+2.8% YoY
|
$3.1B
+3.2% YoY
|
$3.1B
+8.5% YoY
|
52% |
| Total Deposits ? |
$258.0M
-0.5% YoY
+1.2% QoQ
|
+$74.3M |
$183.7M
+1.8% YoY
|
$3.3B
+4.8% YoY
|
$4.7B
+6.3% YoY
|
73% |
| Return on Assets ? |
1.49%
+44.5% YoY
+3.5% QoQ
|
+0.41% |
1.08%
+14.7% YoY
|
0.71%
+43.1% YoY
|
1.12%
+15.6% YoY
|
75% |
| Net Interest Margin ? |
4.06%
+26.6% YoY
+1.9% QoQ
|
+0.21% |
3.85%
+6.6% YoY
|
3.05%
+6.0% YoY
|
3.75%
+7.1% YoY
|
61% |
| Efficiency Ratio ? |
52.00%
-12.2% YoY
+0.1% QoQ
|
-15.73% |
67.73%
-4.8% YoY
|
72.64%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Top 14% in tier |
| Delinquency Rate ? |
1.06%
+20.0% YoY
+72.0% QoQ
|
+0.42% |
0.64%
+24.4% YoY
|
0.45%
-7.9% YoY
|
0.66%
+20.3% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
48.91%
+23.5% YoY
+8.4% QoQ
|
-25.62% |
74.53%
+0.5% YoY
|
88.06%
-0.7% YoY
|
78.04%
+0.7% YoY
|
Top 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.42%
+10.9% YoY
+2.6% QoQ
|
-2.97% |
22.39%
-1.3% YoY
|
14.99%
+4.4% YoY
|
21.79%
-1.3% YoY
|
40% |
| Nonperforming Asset Ratio ? |
0.46%
+44.9% YoY
+86.0% QoQ
|
+0.01% |
0.45%
+25.1% YoY
|
0.33%
-21.6% YoY
|
0.48%
+20.8% YoY
|
39% |
| Tier 1 Capital Ratio ? |
22.57%
+11.0% YoY
-2.7% QoQ
|
+13.72% |
8.85%
-3.4% YoY
|
12.24%
-1.3% YoY
|
9.75%
-1.9% YoY
|
Top 10% in tier |
| Non-Interest Income / Assets ? |
0.34%
+0.7% YoY
+29.0% QoQ
|
-0.22% |
0.56%
+0.3% YoY
|
0.52%
-18.3% YoY
|
0.65%
+0.6% YoY
|
47% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 10%
in Micro
Why this stands out
Current:
22.57%
(Tier avg: 8.85%, National avg: 9.75%)
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
90
90th pctile
Tier 1 Capital Ratio
Current: 22.57% · Tier avg: 8.85%
88
88th pctile
Loan-to-Deposit Ratio
Current: 48.91% · Tier avg: 74.53%
86
86th pctile
Efficiency Ratio
Current: 52.00% · Tier avg: 67.73%
75
75th pctile
Return on Assets
Current: 1.49% · Tier avg: 1.08%
73
73th pctile
Total Deposits
Current: $258.0M · Tier avg: $183.7M
70
70th pctile
Total Assets
Current: $287.6M · Tier avg: $217.5M
61
61th pctile
Net Interest Margin
Current: 4.06% · Tier avg: 3.85%
52
52th pctile
Total Loans
Current: $126.2M · Tier avg: $139.2M
47
47th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.56%
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 19.42% · Tier avg: 22.39%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.46% · Tier avg: 0.45%
28
28th pctile
Delinquency Rate
Current: 1.06% · Tier avg: 0.64%
Top Weaknesses
28
28th pctile
Delinquency Rate
Current: 1.06% · Tier avg: 0.64%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.46% · Tier avg: 0.45%
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 19.42% · Tier avg: 22.39%
47
47th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.56%
52
52th pctile
Total Loans
Current: $126.2M · Tier avg: $139.2M
61
61th pctile
Net Interest Margin
Current: 4.06% · Tier avg: 3.85%
70
70th pctile
Total Assets
Current: $287.6M · Tier avg: $217.5M
73
73th pctile
Total Deposits
Current: $258.0M · Tier avg: $183.7M
75
75th pctile
Return on Assets
Current: 1.49% · Tier avg: 1.08%
86
86th pctile
Efficiency Ratio
Current: 52.00% · Tier avg: 67.73%
88
88th pctile
Loan-to-Deposit Ratio
Current: 48.91% · Tier avg: 74.53%
90
90th pctile
Tier 1 Capital Ratio
Current: 22.57% · Tier avg: 8.85%