BlastPoint's Banking Scorecard
Mauch Chunk Trust Company
Community
Specialty: Other
PA
FDIC cert 2359
Jim Thorpe, PA
1484
banks in Community tier nationally
51 in PA
View Community leaderboard (PA) →
Mauch Chunk Trust Company has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 37.36% below tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 20% in Community
- - Return on Assets 0.97% below tier
- - Net Interest Margin 1.12% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$648.9M
+2.4% YoY
-1.0% QoQ
|
-$742.5M |
$1.4B
+2.0% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
21% |
| Total Loans ? |
$282.7M
+5.3% YoY
-0.8% QoQ
|
-$692.8M |
$975.5M
+2.4% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
Bottom 4% in tier |
| Total Deposits ? |
$618.5M
+2.3% YoY
-1.6% QoQ
|
-$546.1M |
$1.2B
+1.7% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
30% |
| Return on Assets ? |
0.19%
-36.3% YoY
-4.6% QoQ
|
-0.97% |
1.16%
+17.2% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 5% in tier |
| Net Interest Margin ? |
2.54%
+4.8% YoY
+1.5% QoQ
|
-1.12% |
3.66%
+9.1% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 7% in tier |
| Efficiency Ratio ? |
84.00%
+3.2% YoY
-2.6% QoQ
|
+21.37% |
62.63%
-5.3% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 7% in tier |
| Delinquency Rate ? |
0.81%
+146.9% YoY
-1.3% QoQ
|
+0.18% |
0.63%
+18.3% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
45.71%
+2.9% YoY
+0.9% QoQ
|
-37.36% |
83.06%
+0.3% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Top 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.75%
+0.8% YoY
-3.6% QoQ
|
-7.29% |
21.05%
-0.9% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
21% |
| Nonperforming Asset Ratio ? |
0.35%
+154.0% YoY
-1.0% QoQ
|
-0.15% |
0.50%
+20.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
50% |
| Tier 1 Capital Ratio ? |
15.27%
+8.3% YoY
+2.6% QoQ
|
+5.03% |
10.24%
-0.6% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.60%
-22.3% YoY
+34.6% QoQ
|
-0.14% |
0.74%
-1.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
61% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 3%
in Community
Why this stands out
Current:
45.71%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (3)
Efficiency Drag
risk
#31 of 152 · Bottom 20% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
84.00%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 5%
in Community
Why this stands out
Current:
0.19%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 7%
in Community
Why this stands out
Current:
2.54%
(Tier avg: 3.66%, National avg: 3.75%)
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
97
97th pctile
Loan-to-Deposit Ratio
Current: 45.71% · Tier avg: 83.06%
78
78th pctile
Tier 1 Capital Ratio
Current: 15.27% · Tier avg: 10.24%
61
61th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.74%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.35% · Tier avg: 0.50%
32
32th pctile
Delinquency Rate
Current: 0.81% · Tier avg: 0.63%
30
30th pctile
Total Deposits
Current: $618.5M · Tier avg: $1.2B
21
21th pctile
Total Assets
Current: $648.9M · Tier avg: $1.4B
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 13.75% · Tier avg: 21.05%
7
7th pctile
Efficiency Ratio
Current: 84.00% · Tier avg: 62.63%
7
7th pctile
Net Interest Margin
Current: 2.54% · Tier avg: 3.66%
5
5th pctile
Return on Assets
Current: 0.19% · Tier avg: 1.16%
4
4th pctile
Total Loans
Current: $282.7M · Tier avg: $975.5M
Top Weaknesses
4
4th pctile
Total Loans
Current: $282.7M · Tier avg: $975.5M
5
5th pctile
Return on Assets
Current: 0.19% · Tier avg: 1.16%
7
7th pctile
Net Interest Margin
Current: 2.54% · Tier avg: 3.66%
7
7th pctile
Efficiency Ratio
Current: 84.00% · Tier avg: 62.63%
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 13.75% · Tier avg: 21.05%
21
21th pctile
Total Assets
Current: $648.9M · Tier avg: $1.4B
30
30th pctile
Total Deposits
Current: $618.5M · Tier avg: $1.2B
32
32th pctile
Delinquency Rate
Current: 0.81% · Tier avg: 0.63%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.35% · Tier avg: 0.50%
61
61th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.74%
78
78th pctile
Tier 1 Capital Ratio
Current: 15.27% · Tier avg: 10.24%
97
97th pctile
Loan-to-Deposit Ratio
Current: 45.71% · Tier avg: 83.06%