BlastPoint's Banking Scorecard
County Savings Bank
Micro
Specialty: Mortgage
PA
FDIC cert 29231
Designations: ✓ Community bank ✓ Mutual
Essington, PA
2498
banks in Micro tier nationally
44 in PA
View Micro leaderboard (PA) →
County Savings Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Return on Assets 0.89% below tier
- - Efficiency Ratio 24.32% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$89.1M
-11.0% YoY
-3.5% QoQ
|
-$128.4M |
$217.5M
+2.3% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
19% |
| Total Loans ? |
$54.0M
+3.2% YoY
+1.5% QoQ
|
-$85.1M |
$139.2M
+2.8% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
22% |
| Total Deposits ? |
$81.1M
-12.0% YoY
-3.8% QoQ
|
-$102.6M |
$183.7M
+1.8% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
22% |
| Return on Assets ? |
0.19%
-11.1% YoY
+3.3% QoQ
|
-0.89% |
1.08%
+14.7% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 10% in tier |
| Net Interest Margin ? |
3.23%
+8.7% YoY
+1.4% QoQ
|
-0.62% |
3.85%
+6.6% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
23% |
| Efficiency Ratio ? |
92.05%
+0.3% YoY
-0.1% QoQ
|
+24.32% |
67.73%
-4.8% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 8% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
66.63%
+17.3% YoY
+5.5% QoQ
|
-7.90% |
74.53%
+0.5% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
13.94%
+4.9% YoY
-5.8% QoQ
|
-8.45% |
22.39%
-1.3% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
20% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
19.80%
+3.3% YoY
+0.7% QoQ
|
+10.95% |
8.85%
-3.4% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
Top 14% in tier |
| Non-Interest Income / Assets ? |
0.19%
+17.2% YoY
+40.2% QoQ
|
-0.37% |
0.56%
+0.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
22% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (2)
Return on Assets
metric
Bottom 10%
in Micro
Why this stands out
Current:
0.19%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
92.05%
(Tier avg: 67.73%, 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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
86
86th pctile
Tier 1 Capital Ratio
Current: 19.80% · Tier avg: 8.85%
66
66th pctile
Loan-to-Deposit Ratio
Current: 66.63% · Tier avg: 74.53%
23
23th pctile
Net Interest Margin
Current: 3.23% · Tier avg: 3.85%
22
22th pctile
Total Loans
Current: $54.0M · Tier avg: $139.2M
22
22th pctile
Total Deposits
Current: $81.1M · Tier avg: $183.7M
22
22th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 13.94% · Tier avg: 22.39%
19
19th pctile
Total Assets
Current: $89.1M · Tier avg: $217.5M
10
10th pctile
Return on Assets
Current: 0.19% · Tier avg: 1.08%
8
8th pctile
Efficiency Ratio
Current: 92.05% · Tier avg: 67.73%
Top Weaknesses
8
8th pctile
Efficiency Ratio
Current: 92.05% · Tier avg: 67.73%
10
10th pctile
Return on Assets
Current: 0.19% · Tier avg: 1.08%
19
19th pctile
Total Assets
Current: $89.1M · Tier avg: $217.5M
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 13.94% · Tier avg: 22.39%
22
22th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
22
22th pctile
Total Deposits
Current: $81.1M · Tier avg: $183.7M
22
22th pctile
Total Loans
Current: $54.0M · Tier avg: $139.2M
23
23th pctile
Net Interest Margin
Current: 3.23% · Tier avg: 3.85%
66
66th pctile
Loan-to-Deposit Ratio
Current: 66.63% · Tier avg: 74.53%
86
86th pctile
Tier 1 Capital Ratio
Current: 19.80% · Tier avg: 8.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%