BlastPoint's Banking Scorecard
Huntingdon Savings Bank
Micro
Specialty: Mortgage
PA
FDIC cert 30031
Designations: ✓ Community bank ✓ Mutual
Huntingdon, PA
2498
banks in Micro tier nationally
44 in PA
View Micro leaderboard (PA) →
Huntingdon Savings Bank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 27.91% above tier
- + Tier 1 Capital Ratio 40.03% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 0.91% below tier
- - Net Interest Margin 1.47% below tier
- - Efficiency Ratio 21.95% above tier
- - Non-Interest-Bearing Deposit Share 22.39% below tier
- - Non-Interest Income / Assets 0.53% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$17.5M
-0.5% YoY
-1.5% QoQ
|
-$200.0M |
$217.5M
+2.3% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| Total Loans ? |
$13.7M
-1.4% YoY
+1.1% QoQ
|
-$125.4M |
$139.2M
+2.8% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
Bottom 4% in tier |
| Total Deposits ? |
$13.4M
-1.0% YoY
-2.0% QoQ
|
-$170.2M |
$183.7M
+1.8% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 2% in tier |
| Return on Assets ? |
0.18%
+25.4% YoY
+22.8% QoQ
|
-0.91% |
1.08%
+14.7% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 9% in tier |
| Net Interest Margin ? |
2.38%
-2.5% YoY
+1.2% QoQ
|
-1.47% |
3.85%
+6.6% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 4% in tier |
| Efficiency Ratio ? |
89.68%
-2.6% YoY
-2.3% QoQ
|
+21.95% |
67.73%
-4.8% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 9% in tier |
| Delinquency Rate ? |
0.81%
-41.7% YoY
-64.5% QoQ
|
+0.17% |
0.64%
+24.4% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
102.44%
-0.4% YoY
+3.1% QoQ
|
+27.91% |
74.53%
+0.5% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Top 7% in tier |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -22.39% |
22.39%
-1.3% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
0.64%
-42.2% YoY
-63.5% QoQ
|
+0.18% |
0.45%
+25.1% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
31% |
| Tier 1 Capital Ratio ? |
48.88%
+2.2% YoY
+1.8% QoQ
|
+40.03% |
8.85%
-3.4% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.03%
+0.5% YoY
+21.8% QoQ
|
-0.53% |
0.56%
+0.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 2% in tier |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
102.44%
(Tier avg: 74.53%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
48.88%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (5)
Return on Assets
metric
Bottom 9%
in Micro
Why this stands out
Current:
0.18%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 4%
in Micro
Why this stands out
Current:
2.38%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
89.68%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.03%
(Tier avg: 0.56%, National avg: 0.65%)
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
Tier 1 Capital Ratio
Current: 48.88% · Tier avg: 8.85%
93
93th pctile
Loan-to-Deposit Ratio
Current: 102.44% · Tier avg: 74.53%
34
34th pctile
Delinquency Rate
Current: 0.81% · Tier avg: 0.64%
31
31th pctile
Nonperforming Asset Ratio
Current: 0.64% · Tier avg: 0.45%
9
9th pctile
Return on Assets
Current: 0.18% · Tier avg: 1.08%
9
9th pctile
Efficiency Ratio
Current: 89.68% · Tier avg: 67.73%
4
4th pctile
Net Interest Margin
Current: 2.38% · Tier avg: 3.85%
4
4th pctile
Total Loans
Current: $13.7M · Tier avg: $139.2M
2
2th pctile
Non-Interest Income / Assets
Current: 0.03% · Tier avg: 0.56%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
2
2th pctile
Total Deposits
Current: $13.4M · Tier avg: $183.7M
1
1th pctile
Total Assets
Current: $17.5M · Tier avg: $217.5M
Top Weaknesses
1
1th pctile
Total Assets
Current: $17.5M · Tier avg: $217.5M
2
2th pctile
Total Deposits
Current: $13.4M · Tier avg: $183.7M
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
2
2th pctile
Non-Interest Income / Assets
Current: 0.03% · Tier avg: 0.56%
4
4th pctile
Total Loans
Current: $13.7M · Tier avg: $139.2M
4
4th pctile
Net Interest Margin
Current: 2.38% · Tier avg: 3.85%
9
9th pctile
Efficiency Ratio
Current: 89.68% · Tier avg: 67.73%
9
9th pctile
Return on Assets
Current: 0.18% · Tier avg: 1.08%
31
31th pctile
Nonperforming Asset Ratio
Current: 0.64% · Tier avg: 0.45%
34
34th pctile
Delinquency Rate
Current: 0.81% · Tier avg: 0.64%
93
93th pctile
Loan-to-Deposit Ratio
Current: 102.44% · Tier avg: 74.53%
100
100th pctile
Tier 1 Capital Ratio
Current: 48.88% · Tier avg: 8.85%