BlastPoint's Banking Scorecard
First Federal Savings and Loan Association of Greene Co
Community
Specialty: Mortgage
PA
FDIC cert 28706
Designations: ✓ Mutual
Waynesburg, PA
1484
banks in Community tier nationally
51 in PA
View Community leaderboard (PA) →
First Federal Savings and Loan Association of Greene Co has 1 strength but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 21.85% above tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 2% in Community
- - Liquidity Overhang: Bottom 12% in Community
- - Credit Risk Growth: Bottom 21% in Community
- - Efficiency Drag: Bottom 52% in Community
- - Return on Assets 0.87% below tier
- - Net Interest Margin 1.02% below tier
- - Non-Interest-Bearing Deposit Share 16.57% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
-0.7% YoY
+1.0% QoQ
|
-$380.5M |
$1.4B
+2.0% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
50% |
| Total Loans ? |
$700.9M
+4.4% YoY
+1.3% QoQ
|
-$274.5M |
$975.5M
+2.4% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
49% |
| Total Deposits ? |
$852.6M
-1.5% YoY
+1.5% QoQ
|
-$312.0M |
$1.2B
+1.7% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
51% |
| Return on Assets ? |
0.30%
+63.6% YoY
-6.9% QoQ
|
-0.87% |
1.16%
+17.2% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 6% in tier |
| Net Interest Margin ? |
2.64%
+17.2% YoY
+0.8% QoQ
|
-1.02% |
3.66%
+9.1% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 8% in tier |
| Efficiency Ratio ? |
86.26%
-5.2% YoY
-0.5% QoQ
|
+23.63% |
62.63%
-5.3% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 5% in tier |
| Delinquency Rate ? |
0.69%
+30.9% YoY
+10.3% QoQ
|
+0.06% |
0.63%
+18.3% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
82.21%
+6.0% YoY
-0.2% QoQ
|
-0.85% |
83.06%
+0.3% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
4.47%
+8.8% YoY
-3.8% QoQ
|
-16.57% |
21.05%
-0.9% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 4% in tier |
| Nonperforming Asset Ratio ? |
0.52%
+43.1% YoY
+14.5% QoQ
|
+0.02% |
0.50%
+20.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
37% |
| Tier 1 Capital Ratio ? |
32.09%
-3.1% YoY
-1.1% QoQ
|
+21.85% |
10.24%
-0.6% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.22%
+15.1% YoY
+36.0% QoQ
|
-0.52% |
0.74%
-1.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 13% in tier |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 1%
in Community
Why this stands out
Current:
32.09%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (7)
Flatlined Growth
risk
#6 of 245 · Bottom 2% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.30%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Liquidity Overhang
risk
#32 of 268 · Bottom 12% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
32.09%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
82.21%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
Credit Risk Growth
risk
#135 of 642 · Bottom 21% 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
|
QoQ rank declining
Efficiency Drag
risk
#79 of 152 · Bottom 52% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
86.26%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 6%
in Community
Why this stands out
Current:
0.30%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 8%
in Community
Why this stands out
Current:
2.64%
(Tier avg: 3.66%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 4%
in Community
Why this stands out
Current:
4.47%
(Tier avg: 21.05%, National avg: 21.79%)
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
99
99th pctile
Tier 1 Capital Ratio
Current: 32.09% · Tier avg: 10.24%
57
57th pctile
Loan-to-Deposit Ratio
Current: 82.21% · Tier avg: 83.06%
51
51th pctile
Total Deposits
Current: $852.6M · Tier avg: $1.2B
50
50th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
49
49th pctile
Total Loans
Current: $700.9M · Tier avg: $975.5M
37
37th pctile
Nonperforming Asset Ratio
Current: 0.52% · Tier avg: 0.50%
36
36th pctile
Delinquency Rate
Current: 0.69% · Tier avg: 0.63%
13
13th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.74%
8
8th pctile
Net Interest Margin
Current: 2.64% · Tier avg: 3.66%
6
6th pctile
Return on Assets
Current: 0.30% · Tier avg: 1.16%
5
5th pctile
Efficiency Ratio
Current: 86.26% · Tier avg: 62.63%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 4.47% · Tier avg: 21.05%
Top Weaknesses
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 4.47% · Tier avg: 21.05%
5
5th pctile
Efficiency Ratio
Current: 86.26% · Tier avg: 62.63%
6
6th pctile
Return on Assets
Current: 0.30% · Tier avg: 1.16%
8
8th pctile
Net Interest Margin
Current: 2.64% · Tier avg: 3.66%
13
13th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.74%
36
36th pctile
Delinquency Rate
Current: 0.69% · Tier avg: 0.63%
37
37th pctile
Nonperforming Asset Ratio
Current: 0.52% · Tier avg: 0.50%
49
49th pctile
Total Loans
Current: $700.9M · Tier avg: $975.5M
50
50th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
51
51th pctile
Total Deposits
Current: $852.6M · Tier avg: $1.2B
57
57th pctile
Loan-to-Deposit Ratio
Current: 82.21% · Tier avg: 83.06%
99
99th pctile
Tier 1 Capital Ratio
Current: 32.09% · Tier avg: 10.24%