BlastPoint's Banking Scorecard

InFirst Bank

Community Specialty: Commercial PA FDIC cert 27763

Indiana, PA

1484 banks in Community tier nationally 51 in PA

View Community leaderboard (PA) →

InFirst Bank has 1 strength but faces 1 concern

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 48% in Community

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 69% in Community

Get updates when InFirst Bank releases new data →

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$664.1M +9.8% YoY -0.2% QoQ	-$727.3M	$1.4B +2.0% YoY	$3.0B +6.6% YoY	$5.9B +6.5% YoY	24%
Total Loans ?	$577.5M +8.8% YoY +0.7% QoQ	-$398.0M	$975.5M +2.4% YoY	$2.2B +7.9% YoY	$3.1B +8.5% YoY	39%
Total Deposits ?	$596.9M +9.9% YoY -0.5% QoQ	-$567.7M	$1.2B +1.7% YoY	$2.5B +6.7% YoY	$4.7B +6.3% YoY	28%
Return on Assets ?	0.83% +51.0% YoY +4.8% QoQ	-0.33%	1.16% +17.2% YoY	0.80% +34.8% YoY	1.12% +15.6% YoY	27%
Net Interest Margin ?	3.69% +9.3% YoY +2.5% QoQ	+0.03%	3.66% +9.1% YoY	3.23% +9.5% YoY	3.75% +7.1% YoY	52%
Efficiency Ratio ?	68.96% -12.6% YoY +0.1% QoQ	+6.33%	62.63% -5.3% YoY	70.08% -6.4% YoY	65.09% -5.1% YoY	29%
Delinquency Rate ?	0.15% -41.6% YoY -56.7% QoQ	-0.48%	0.63% +18.3% YoY	0.65% +5.6% YoY	0.66% +20.3% YoY	76%
Loan-to-Deposit Ratio ?	96.75% -1.0% YoY +1.3% QoQ	+13.68%	83.06% +0.3% YoY	84.39% -0.1% YoY	78.04% +0.7% YoY	81%
Non-Interest-Bearing Deposit Share ?	14.45% -14.0% YoY -8.9% QoQ	-6.60%	21.05% -0.9% YoY	17.53% +0.3% YoY	21.79% -1.3% YoY	23%
Nonperforming Asset Ratio ?	0.13% -44.4% YoY -55.6% QoQ	-0.37%	0.50% +20.3% YoY	0.48% +10.7% YoY	0.48% +20.8% YoY	73%
Tier 1 Capital Ratio ?	13.72% +1.0% YoY +2.4% QoQ	+3.48%	10.24% -0.6% YoY	11.49% +7.4% YoY	9.75% -1.9% YoY	65%
Non-Interest Income / Assets ?	0.38% -29.9% YoY +32.5% QoQ	-0.36%	0.74% -1.3% YoY	0.53% +5.0% YoY	0.65% +0.6% YoY	33%

Signature Analysis

Strengths (1)

Credit Quality Leader

growth

#178 of 371 · Top 48% in Community

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.15%

(Tier: 0.63%, National: 0.66%)

better than tier avg

371 of 371 Community banks match · 443 nationally

→ Stable +6 banks QoQ

Concerns (1)

NIB Deposit Bleed

decline

#62 of 89 · Bottom 69% in Community

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 14.45%

(Tier: 21.05%, National: 21.79%)

worse than tier avg

89 of 89 Community banks match · 98 nationally

→ Stable -10 banks QoQ

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%

Compare against:

Comparing against 1484 peers in Community tier

Top Strengths

Loan-to-Deposit Ratio

Current: 96.75% · Tier avg: 83.06%

81th pctile

Delinquency Rate

Current: 0.15% · Tier avg: 0.63%

76th pctile

Nonperforming Asset Ratio

Current: 0.13% · Tier avg: 0.50%

73th pctile

Tier 1 Capital Ratio

Current: 13.72% · Tier avg: 10.24%

65th pctile

Net Interest Margin

Current: 3.69% · Tier avg: 3.66%

52th pctile

Total Loans

Current: $577.5M · Tier avg: $975.5M

39th pctile

Non-Interest Income / Assets

Current: 0.38% · Tier avg: 0.74%

33th pctile

Efficiency Ratio

Current: 68.96% · Tier avg: 62.63%

29th pctile

Total Deposits

Current: $596.9M · Tier avg: $1.2B

28th pctile

Return on Assets

Current: 0.83% · Tier avg: 1.16%

27th pctile

Total Assets

Current: $664.1M · Tier avg: $1.4B

24th pctile

Non-Interest-Bearing Deposit Share

Current: 14.45% · Tier avg: 21.05%

23th pctile

Top Weaknesses