BlastPoint's Banking Scorecard
CFSBANK
Community
Specialty: Mortgage
PA
FDIC cert 29672
Charleroi, PA
1484
banks in Community tier nationally
51 in PA
View Community leaderboard (PA) →
CFSBANK has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 10.22% above tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 19% in Community
- - Credit Risk Growth: Bottom 28% in Community
- - Liquidity Overhang: Bottom 48% in Community
- - Efficiency Drag: Bottom 75% in Community
- - Return on Assets 0.97% below tier
- - Net Interest Margin 1.65% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$745.7M
+2.3% YoY
-1.2% QoQ
|
-$645.8M |
$1.4B
+2.0% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
31% |
| Total Loans ? |
$466.2M
+7.1% YoY
+3.0% QoQ
|
-$509.2M |
$975.5M
+2.4% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
25% |
| Total Deposits ? |
$637.1M
+4.9% YoY
-1.4% QoQ
|
-$527.5M |
$1.2B
+1.7% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
32% |
| Return on Assets ? |
0.20%
+167.5% YoY
-10.2% QoQ
|
-0.97% |
1.16%
+17.2% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 5% in tier |
| Net Interest Margin ? |
2.01%
+7.0% YoY
+1.1% QoQ
|
-1.65% |
3.66%
+9.1% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 2% in tier |
| Efficiency Ratio ? |
91.40%
-9.6% YoY
+2.4% QoQ
|
+28.77% |
62.63%
-5.3% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 3% in tier |
| Delinquency Rate ? |
0.27%
+24.9% YoY
-17.9% QoQ
|
-0.36% |
0.63%
+18.3% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
73.17%
+2.2% YoY
+4.5% QoQ
|
-9.89% |
83.06%
+0.3% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
14.42%
-8.0% YoY
+3.5% QoQ
|
-6.62% |
21.05%
-0.9% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
23% |
| Nonperforming Asset Ratio ? |
0.18%
+29.2% YoY
-13.9% QoQ
|
-0.32% |
0.50%
+20.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
68% |
| Tier 1 Capital Ratio ? |
20.47%
-4.9% YoY
-0.3% QoQ
|
+10.22% |
10.24%
-0.6% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
Top 6% in tier |
| Non-Interest Income / Assets ? |
0.67%
+32.9% YoY
+33.9% QoQ
|
-0.07% |
0.74%
-1.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
67% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 6%
in Community
Why this stands out
Current:
20.47%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (6)
Credit Quality Pressure
risk
#155 of 808 · Bottom 19% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.27%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#183 of 642 · Bottom 28% 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 improving
Liquidity Overhang
risk
#129 of 268 · Bottom 48% 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:
20.47%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
73.17%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Efficiency Drag
risk
#114 of 152 · Bottom 75% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
91.40%
(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 5%
in Community
Why this stands out
Current:
0.20%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 2%
in Community
Why this stands out
Current:
2.01%
(Tier avg: 3.66%, National avg: 3.75%)
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
94
94th pctile
Tier 1 Capital Ratio
Current: 20.47% · Tier avg: 10.24%
75
75th pctile
Loan-to-Deposit Ratio
Current: 73.17% · Tier avg: 83.06%
68
68th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.50%
67
67th pctile
Non-Interest Income / Assets
Current: 0.67% · Tier avg: 0.74%
64
64th pctile
Delinquency Rate
Current: 0.27% · Tier avg: 0.63%
32
32th pctile
Total Deposits
Current: $637.1M · Tier avg: $1.2B
31
31th pctile
Total Assets
Current: $745.7M · Tier avg: $1.4B
25
25th pctile
Total Loans
Current: $466.2M · Tier avg: $975.5M
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 14.42% · Tier avg: 21.05%
5
5th pctile
Return on Assets
Current: 0.20% · Tier avg: 1.16%
3
3th pctile
Efficiency Ratio
Current: 91.40% · Tier avg: 62.63%
2
2th pctile
Net Interest Margin
Current: 2.01% · Tier avg: 3.66%
Top Weaknesses
2
2th pctile
Net Interest Margin
Current: 2.01% · Tier avg: 3.66%
3
3th pctile
Efficiency Ratio
Current: 91.40% · Tier avg: 62.63%
5
5th pctile
Return on Assets
Current: 0.20% · Tier avg: 1.16%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 14.42% · Tier avg: 21.05%
25
25th pctile
Total Loans
Current: $466.2M · Tier avg: $975.5M
31
31th pctile
Total Assets
Current: $745.7M · Tier avg: $1.4B
32
32th pctile
Total Deposits
Current: $637.1M · Tier avg: $1.2B
64
64th pctile
Delinquency Rate
Current: 0.27% · Tier avg: 0.63%
67
67th pctile
Non-Interest Income / Assets
Current: 0.67% · Tier avg: 0.74%
68
68th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.50%
75
75th pctile
Loan-to-Deposit Ratio
Current: 73.17% · Tier avg: 83.06%
94
94th pctile
Tier 1 Capital Ratio
Current: 20.47% · Tier avg: 10.24%