BlastPoint's Banking Scorecard
Slovenian Savings and Loan Association of Canonsburg
Community
Specialty: Other
PA
FDIC cert 27686
Designations: ✓ Mutual
Strabane, PA
1484
banks in Community tier nationally
51 in PA
View Community leaderboard (PA) →
Slovenian Savings and Loan Association of Canonsburg has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 19.87% below tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 32% in Community
- - Credit Risk Growth: Bottom 35% in Community
- - Net Interest Margin 1.59% below tier
- - Loan-to-Deposit Ratio 31.87% below tier
- - Non-Interest-Bearing Deposit Share 20.19% below tier
- - Non-Interest Income / Assets 0.64% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$618.6M
+2.9% YoY
+0.8% QoQ
|
-$772.8M |
$1.4B
+2.0% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
17% |
| Total Loans ? |
$264.8M
+6.2% YoY
+2.5% QoQ
|
-$710.7M |
$975.5M
+2.4% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
Bottom 3% in tier |
| Total Deposits ? |
$517.2M
+3.0% YoY
+0.7% QoQ
|
-$647.4M |
$1.2B
+1.7% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
16% |
| Return on Assets ? |
0.87%
+17.0% YoY
+6.1% QoQ
|
-0.30% |
1.16%
+17.2% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
30% |
| Net Interest Margin ? |
2.07%
+11.0% YoY
+3.5% QoQ
|
-1.59% |
3.66%
+9.1% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 2% in tier |
| Efficiency Ratio ? |
42.76%
-15.5% YoY
+12.8% QoQ
|
-19.87% |
62.63%
-5.3% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
Top 7% in tier |
| Delinquency Rate ? |
1.66%
+15.7% YoY
+23.8% QoQ
|
+1.03% |
0.63%
+18.3% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 13% in tier |
| Loan-to-Deposit Ratio ? |
51.19%
+3.1% YoY
+1.8% QoQ
|
-31.87% |
83.06%
+0.3% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.86%
+209.6% YoY
-0.6% QoQ
|
-20.19% |
21.05%
-0.9% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 1% in tier |
| Nonperforming Asset Ratio ? |
0.76%
+28.8% YoY
+23.7% QoQ
|
+0.27% |
0.50%
+20.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
27% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.10%
+957.1% YoY
-1.1% QoQ
|
-0.64% |
0.74%
-1.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 3% in tier |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 7%
in Community
Why this stands out
Current:
42.76%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (6)
Capital Thin
risk
#140 of 432 · Bottom 32% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#227 of 642 · Bottom 35% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Net Interest Margin
metric
Bottom 2%
in Community
Why this stands out
Current:
2.07%
(Tier avg: 3.66%, National avg: 3.75%)
Loan-to-Deposit Ratio
metric
Bottom 4%
in Community
Why this stands out
Current:
51.19%
(Tier avg: 83.06%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 1%
in Community
Why this stands out
Current:
0.86%
(Tier avg: 21.05%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 3%
in Community
Why this stands out
Current:
0.10%
(Tier avg: 0.74%, National avg: 0.65%)
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
93
93th pctile
Efficiency Ratio
Current: 42.76% · Tier avg: 62.63%
30
30th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.76% · Tier avg: 0.50%
17
17th pctile
Total Assets
Current: $618.6M · Tier avg: $1.4B
16
16th pctile
Total Deposits
Current: $517.2M · Tier avg: $1.2B
13
13th pctile
Delinquency Rate
Current: 1.66% · Tier avg: 0.63%
4
4th pctile
Loan-to-Deposit Ratio
Current: 51.19% · Tier avg: 83.06%
3
3th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.74%
3
3th pctile
Total Loans
Current: $264.8M · Tier avg: $975.5M
2
2th pctile
Net Interest Margin
Current: 2.07% · Tier avg: 3.66%
1
1th pctile
Non-Interest-Bearing Deposit Share
Current: 0.86% · Tier avg: 21.05%
Top Weaknesses
1
1th pctile
Non-Interest-Bearing Deposit Share
Current: 0.86% · Tier avg: 21.05%
2
2th pctile
Net Interest Margin
Current: 2.07% · Tier avg: 3.66%
3
3th pctile
Total Loans
Current: $264.8M · Tier avg: $975.5M
3
3th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.74%
4
4th pctile
Loan-to-Deposit Ratio
Current: 51.19% · Tier avg: 83.06%
13
13th pctile
Delinquency Rate
Current: 1.66% · Tier avg: 0.63%
16
16th pctile
Total Deposits
Current: $517.2M · Tier avg: $1.2B
17
17th pctile
Total Assets
Current: $618.6M · Tier avg: $1.4B
27
27th pctile
Nonperforming Asset Ratio
Current: 0.76% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
30
30th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.16%
93
93th pctile
Efficiency Ratio
Current: 42.76% · Tier avg: 62.63%