BlastPoint's Banking Scorecard
Brentwood Bank
Community
Specialty: Commercial
PA
FDIC cert 27943
Bethel Park, PA
1484
banks in Community tier nationally
51 in PA
View Community leaderboard (PA) →
Brentwood Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 19.64% above tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 16% in Community
- - Liquidity Strain: Bottom 31% in Community
- - Return on Assets 1.10% below tier
- - Net Interest Margin 1.40% below tier
- - Efficiency Ratio 29.78% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+0.3% YoY
-2.0% QoQ
|
-$368.1M |
$1.4B
+2.0% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
51% |
| Total Loans ? |
$768.2M
-0.6% YoY
-0.8% QoQ
|
-$207.3M |
$975.5M
+2.4% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
55% |
| Total Deposits ? |
$748.0M
+7.5% YoY
-1.6% QoQ
|
-$416.7M |
$1.2B
+1.7% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
42% |
| Return on Assets ? |
0.06%
+191.5% YoY
-46.6% QoQ
|
-1.10% |
1.16%
+17.2% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 3% in tier |
| Net Interest Margin ? |
2.26%
+1.1% YoY
+2.2% QoQ
|
-1.40% |
3.66%
+9.1% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 3% in tier |
| Efficiency Ratio ? |
92.41%
-15.9% YoY
-0.7% QoQ
|
+29.78% |
62.63%
-5.3% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 3% in tier |
| Delinquency Rate ? |
1.08%
+32.5% QoQ
|
+0.45% |
0.63%
+18.3% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
102.71%
-7.5% YoY
+0.8% QoQ
|
+19.64% |
83.06%
+0.3% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Top 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.26%
-3.2% YoY
-2.0% QoQ
|
-9.78% |
21.05%
-0.9% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 13% in tier |
| Nonperforming Asset Ratio ? |
0.81%
+34.1% QoQ
|
+0.31% |
0.50%
+20.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
25% |
| 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 ? |
0.28%
+53.5% YoY
+20.8% QoQ
|
-0.46% |
0.74%
-1.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
21% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 9%
in Community
Why this stands out
Current:
102.71%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (5)
Capital Thin
risk
#71 of 432 · Bottom 16% 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
Liquidity Strain
risk
#158 of 513 · Bottom 31% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
102.71%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 3%
in Community
Why this stands out
Current:
0.06%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 3%
in Community
Why this stands out
Current:
2.26%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 3%
in Community
Why this stands out
Current:
92.41%
(Tier avg: 62.63%, National avg: 65.09%)
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
91
91th pctile
Loan-to-Deposit Ratio
Current: 102.71% · Tier avg: 83.06%
55
55th pctile
Total Loans
Current: $768.2M · Tier avg: $975.5M
51
51th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
42
42th pctile
Total Deposits
Current: $748.0M · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
25
25th pctile
Nonperforming Asset Ratio
Current: 0.81% · Tier avg: 0.50%
24
24th pctile
Delinquency Rate
Current: 1.08% · Tier avg: 0.63%
21
21th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.74%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 11.26% · Tier avg: 21.05%
3
3th pctile
Return on Assets
Current: 0.06% · Tier avg: 1.16%
3
3th pctile
Net Interest Margin
Current: 2.26% · Tier avg: 3.66%
3
3th pctile
Efficiency Ratio
Current: 92.41% · Tier avg: 62.63%
Top Weaknesses
3
3th pctile
Efficiency Ratio
Current: 92.41% · Tier avg: 62.63%
3
3th pctile
Net Interest Margin
Current: 2.26% · Tier avg: 3.66%
3
3th pctile
Return on Assets
Current: 0.06% · Tier avg: 1.16%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 11.26% · Tier avg: 21.05%
21
21th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.74%
24
24th pctile
Delinquency Rate
Current: 1.08% · Tier avg: 0.63%
25
25th pctile
Nonperforming Asset Ratio
Current: 0.81% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
42
42th pctile
Total Deposits
Current: $748.0M · Tier avg: $1.2B
51
51th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
55
55th pctile
Total Loans
Current: $768.2M · Tier avg: $975.5M
91
91th pctile
Loan-to-Deposit Ratio
Current: 102.71% · Tier avg: 83.06%