BlastPoint's Banking Scorecard
Firstrust Savings Bank
Mid-Market
Specialty: Commercial
PA
FDIC cert 26647
Conshohocken, PA
201
banks in Mid-Market tier nationally
12 in PA
View Mid-Market leaderboard (PA) →
Firstrust Savings Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 28% in Mid-Market
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 28% in Mid-Market
- - Liquidity Strain: Bottom 43% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.7B
+6.2% YoY
-1.7% QoQ
|
-$4.7B |
$10.5B
+2.9% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 13% in tier |
| Total Loans ? |
$4.6B
+4.9% YoY
+0.7% QoQ
|
-$2.5B |
$7.1B
+4.5% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
30% |
| Total Deposits ? |
$4.7B
+13.4% YoY
+5.7% QoQ
|
-$3.8B |
$8.5B
+3.0% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 14% in tier |
| Return on Assets ? |
1.91%
+13.9% YoY
-8.5% QoQ
|
+0.74% |
1.16%
+9.4% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
Top 8% in tier |
| Net Interest Margin ? |
4.11%
+6.0% YoY
-0.1% QoQ
|
+0.71% |
3.40%
+7.9% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
82% |
| Efficiency Ratio ? |
54.18%
-4.1% YoY
+1.3% QoQ
|
-2.42% |
56.60%
-3.2% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
61% |
| Delinquency Rate ? |
0.76%
+31.2% YoY
+30.7% QoQ
|
+0.08% |
0.68%
+12.0% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
97.79%
-7.5% YoY
-4.7% QoQ
|
+12.32% |
85.47%
+1.1% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
15% |
| Non-Interest-Bearing Deposit Share ? |
28.29%
-3.3% YoY
+9.4% QoQ
|
+7.65% |
20.64%
-0.3% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.62%
+29.8% YoY
+35.4% QoQ
|
+0.13% |
0.50%
+7.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
32% |
| Tier 1 Capital Ratio ? |
11.97%
-1.4% YoY
-2.9% QoQ
|
-1.59% |
13.55%
+1.8% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
31% |
| Non-Interest Income / Assets ? |
0.67%
+0.2% YoY
+40.2% QoQ
|
-0.28% |
0.96%
+7.1% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
52% |
Signature Analysis
Strengths (1)
Profitability Leader
growth
#15 of 51 · Top 28% in Mid-Market
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.91%
(Tier: 1.16%, National: 1.12%)
51 of 51 Mid-Market banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Concerns (2)
Credit Risk Growth
risk
#25 of 87 · Bottom 28% in Mid-Market
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
87 of 87 Mid-Market banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#35 of 80 · Bottom 43% in Mid-Market
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
97.79%
(Tier: 85.47%, National: 78.04%)
80 of 80 Mid-Market banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
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
92
92th pctile
Return on Assets
Current: 1.91% · Tier avg: 1.16%
82
82th pctile
Net Interest Margin
Current: 4.11% · Tier avg: 3.40%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 28.29% · Tier avg: 20.64%
61
61th pctile
Efficiency Ratio
Current: 54.18% · Tier avg: 56.60%
52
52th pctile
Non-Interest Income / Assets
Current: 0.67% · Tier avg: 0.96%
38
38th pctile
Delinquency Rate
Current: 0.76% · Tier avg: 0.68%
32
32th pctile
Nonperforming Asset Ratio
Current: 0.62% · Tier avg: 0.50%
31
31th pctile
Tier 1 Capital Ratio
Current: 11.97% · Tier avg: 13.55%
30
30th pctile
Total Loans
Current: $4.6B · Tier avg: $7.1B
15
15th pctile
Loan-to-Deposit Ratio
Current: 97.79% · Tier avg: 85.47%
14
14th pctile
Total Deposits
Current: $4.7B · Tier avg: $8.5B
13
13th pctile
Total Assets
Current: $5.7B · Tier avg: $10.5B
Top Weaknesses
13
13th pctile
Total Assets
Current: $5.7B · Tier avg: $10.5B
14
14th pctile
Total Deposits
Current: $4.7B · Tier avg: $8.5B
15
15th pctile
Loan-to-Deposit Ratio
Current: 97.79% · Tier avg: 85.47%
30
30th pctile
Total Loans
Current: $4.6B · Tier avg: $7.1B
31
31th pctile
Tier 1 Capital Ratio
Current: 11.97% · Tier avg: 13.55%
32
32th pctile
Nonperforming Asset Ratio
Current: 0.62% · Tier avg: 0.50%
38
38th pctile
Delinquency Rate
Current: 0.76% · Tier avg: 0.68%
52
52th pctile
Non-Interest Income / Assets
Current: 0.67% · Tier avg: 0.96%
61
61th pctile
Efficiency Ratio
Current: 54.18% · Tier avg: 56.60%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 28.29% · Tier avg: 20.64%
82
82th pctile
Net Interest Margin
Current: 4.11% · Tier avg: 3.40%
92
92th pctile
Return on Assets
Current: 1.91% · Tier avg: 1.16%