BlastPoint's Banking Scorecard
Reliance Savings Bank
Community
Specialty: Commercial
PA
FDIC cert 30117
Altoona, PA
1484
banks in Community tier nationally
51 in PA
View Community leaderboard (PA) →
Reliance Savings Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 17% in Community
- - Liquidity Strain: Bottom 18% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$674.1M
+1.2% YoY
+4.0% QoQ
|
-$717.3M |
$1.4B
+2.0% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
25% |
| Total Loans ? |
$478.0M
+5.6% YoY
+0.3% QoQ
|
-$497.5M |
$975.5M
+2.4% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
27% |
| Total Deposits ? |
$530.5M
-1.1% YoY
+5.5% QoQ
|
-$634.1M |
$1.2B
+1.7% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
18% |
| Return on Assets ? |
0.49%
+98.8% YoY
+55.5% QoQ
|
-0.68% |
1.16%
+17.2% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 10% in tier |
| Net Interest Margin ? |
3.22%
+20.5% YoY
+0.6% QoQ
|
-0.45% |
3.66%
+9.1% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
26% |
| Efficiency Ratio ? |
75.98%
-10.0% YoY
-1.6% QoQ
|
+13.35% |
62.63%
-5.3% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
15% |
| Delinquency Rate ? |
0.34%
-79.9% YoY
-51.0% QoQ
|
-0.29% |
0.63%
+18.3% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
90.10%
+6.8% YoY
-4.9% QoQ
|
+7.04% |
83.06%
+0.3% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
20.45%
+0.2% YoY
-4.8% QoQ
|
-0.60% |
21.05%
-0.9% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
52% |
| Nonperforming Asset Ratio ? |
0.24%
-79.0% YoY
-52.7% QoQ
|
-0.26% |
0.50%
+20.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
60% |
| Tier 1 Capital Ratio ? |
15.77%
+1.8% YoY
+2.5% QoQ
|
+5.53% |
10.24%
-0.6% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.54%
+11.9% YoY
+32.8% QoQ
|
-0.20% |
0.74%
-1.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
53% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Flatlined Growth
risk
#42 of 245 · Bottom 17% 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:
0.49%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank declining
Liquidity Strain
risk
#92 of 513 · Bottom 18% 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:
90.10%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
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
81
81th pctile
Tier 1 Capital Ratio
Current: 15.77% · Tier avg: 10.24%
60
60th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.50%
58
58th pctile
Delinquency Rate
Current: 0.34% · Tier avg: 0.63%
53
53th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.74%
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 20.45% · Tier avg: 21.05%
34
34th pctile
Loan-to-Deposit Ratio
Current: 90.10% · Tier avg: 83.06%
27
27th pctile
Total Loans
Current: $478.0M · Tier avg: $975.5M
26
26th pctile
Net Interest Margin
Current: 3.22% · Tier avg: 3.66%
25
25th pctile
Total Assets
Current: $674.1M · Tier avg: $1.4B
18
18th pctile
Total Deposits
Current: $530.5M · Tier avg: $1.2B
15
15th pctile
Efficiency Ratio
Current: 75.98% · Tier avg: 62.63%
10
10th pctile
Return on Assets
Current: 0.49% · Tier avg: 1.16%
Top Weaknesses
10
10th pctile
Return on Assets
Current: 0.49% · Tier avg: 1.16%
15
15th pctile
Efficiency Ratio
Current: 75.98% · Tier avg: 62.63%
18
18th pctile
Total Deposits
Current: $530.5M · Tier avg: $1.2B
25
25th pctile
Total Assets
Current: $674.1M · Tier avg: $1.4B
26
26th pctile
Net Interest Margin
Current: 3.22% · Tier avg: 3.66%
27
27th pctile
Total Loans
Current: $478.0M · Tier avg: $975.5M
34
34th pctile
Loan-to-Deposit Ratio
Current: 90.10% · Tier avg: 83.06%
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 20.45% · Tier avg: 21.05%
53
53th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.74%
58
58th pctile
Delinquency Rate
Current: 0.34% · Tier avg: 0.63%
60
60th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.50%
81
81th pctile
Tier 1 Capital Ratio
Current: 15.77% · Tier avg: 10.24%