BlastPoint's Banking Scorecard
Port Richmond Savings
Micro
Specialty: Commercial
PA
FDIC cert 27385
Designations: ✓ Community bank ✓ Mutual
Philadelphia, PA
2498
banks in Micro tier nationally
44 in PA
View Micro leaderboard (PA) →
Port Richmond Savings demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 69.30% 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 ? |
$97.6M
-1.0% YoY
-1.1% QoQ
|
-$119.9M |
$217.5M
+2.3% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
22% |
| Total Loans ? |
$85.8M
-3.1% YoY
+0.2% QoQ
|
-$53.3M |
$139.2M
+2.8% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
37% |
| Total Deposits ? |
$59.7M
+0.3% YoY
+0.1% QoQ
|
-$124.0M |
$183.7M
+1.8% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 14% in tier |
| Return on Assets ? |
1.10%
+13.6% YoY
-60.4% QoQ
|
+0.02% |
1.08%
+14.7% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
52% |
| Net Interest Margin ? |
4.76%
-4.4% YoY
+0.7% QoQ
|
+0.90% |
3.85%
+6.6% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
Top 14% in tier |
| Efficiency Ratio ? |
71.38%
-1.5% YoY
+93.0% QoQ
|
+3.66% |
67.73%
-4.8% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
37% |
| Delinquency Rate ? |
0.03%
-96.3% YoY
-96.6% QoQ
|
-0.61% |
0.64%
+24.4% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
143.83%
-3.4% YoY
+0.1% QoQ
|
+69.30% |
74.53%
+0.5% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.72%
+60.3% YoY
-7.3% QoQ
|
-1.67% |
22.39%
-1.3% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.63%
+0.7% YoY
-2.9% QoQ
|
+0.18% |
0.45%
+25.1% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
31% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.13%
+6.7% YoY
+25.2% QoQ
|
-0.43% |
0.56%
+0.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 13% in tier |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
143.83%
(Tier avg: 74.53%, 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
100
100th pctile
Loan-to-Deposit Ratio
Current: 143.83% · Tier avg: 74.53%
86
86th pctile
Net Interest Margin
Current: 4.76% · Tier avg: 3.85%
79
79th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
52
52th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 20.72% · Tier avg: 22.39%
37
37th pctile
Total Loans
Current: $85.8M · Tier avg: $139.2M
37
37th pctile
Efficiency Ratio
Current: 71.38% · Tier avg: 67.73%
31
31th pctile
Nonperforming Asset Ratio
Current: 0.63% · Tier avg: 0.45%
22
22th pctile
Total Assets
Current: $97.6M · Tier avg: $217.5M
14
14th pctile
Total Deposits
Current: $59.7M · Tier avg: $183.7M
13
13th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
Top Weaknesses
13
13th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
14
14th pctile
Total Deposits
Current: $59.7M · Tier avg: $183.7M
22
22th pctile
Total Assets
Current: $97.6M · Tier avg: $217.5M
31
31th pctile
Nonperforming Asset Ratio
Current: 0.63% · Tier avg: 0.45%
37
37th pctile
Efficiency Ratio
Current: 71.38% · Tier avg: 67.73%
37
37th pctile
Total Loans
Current: $85.8M · Tier avg: $139.2M
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 20.72% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.08%
79
79th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
86
86th pctile
Net Interest Margin
Current: 4.76% · Tier avg: 3.85%
100
100th pctile
Loan-to-Deposit Ratio
Current: 143.83% · Tier avg: 74.53%