BlastPoint's Banking Scorecard
Sewickley Savings Bank
Micro
Specialty: Other
PA
FDIC cert 30154
Designations: ✓ Community bank ✓ Mutual
Sewickley, PA
2498
banks in Micro tier nationally
44 in PA
View Micro leaderboard (PA) →
Sewickley Savings Bank has 2 strengths but faces 4 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
- - Net Interest Margin 1.47% below tier
- - Loan-to-Deposit Ratio 49.80% below tier
- - Non-Interest-Bearing Deposit Share 18.63% below tier
- - Non-Interest Income / Assets 0.45% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$316.2M
+12.4% YoY
+2.2% QoQ
|
+$98.7M |
$217.5M
+2.3% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
75% |
| Total Loans ? |
$54.8M
+19.5% YoY
+10.8% QoQ
|
-$84.4M |
$139.2M
+2.8% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
22% |
| Total Deposits ? |
$221.6M
+5.6% YoY
+3.0% QoQ
|
+$37.9M |
$183.7M
+1.8% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
65% |
| Return on Assets ? |
0.80%
+17.8% YoY
-9.0% QoQ
|
-0.28% |
1.08%
+14.7% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
33% |
| Net Interest Margin ? |
2.38%
+2.5% YoY
-0.8% QoQ
|
-1.47% |
3.85%
+6.6% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 4% in tier |
| Efficiency Ratio ? |
58.87%
-14.2% YoY
+5.8% QoQ
|
-8.85% |
67.73%
-4.8% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
70% |
| 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 ? |
24.73%
+13.1% YoY
+7.5% QoQ
|
-49.80% |
74.53%
+0.5% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
3.76%
+3.0% YoY
-11.1% QoQ
|
-18.63% |
22.39%
-1.3% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 4% in tier |
| 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 ? |
52.71%
-11.0% YoY
-10.0% QoQ
|
+43.86% |
8.85%
-3.4% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
- |
| Non-Interest Income / Assets ? |
0.12%
+0.4% YoY
+38.0% QoQ
|
-0.45% |
0.56%
+0.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 10% in tier |
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 (4)
Net Interest Margin
metric
Bottom 4%
in Micro
Why this stands out
Current:
2.38%
(Tier avg: 3.85%, National avg: 3.75%)
Loan-to-Deposit Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
24.73%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 4%
in Micro
Why this stands out
Current:
3.76%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 10%
in Micro
Why this stands out
Current:
0.12%
(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
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
75
75th pctile
Total Assets
Current: $316.2M · Tier avg: $217.5M
70
70th pctile
Efficiency Ratio
Current: 58.87% · Tier avg: 67.73%
65
65th pctile
Total Deposits
Current: $221.6M · Tier avg: $183.7M
33
33th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.08%
22
22th pctile
Total Loans
Current: $54.8M · Tier avg: $139.2M
10
10th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
4
4th pctile
Net Interest Margin
Current: 2.38% · Tier avg: 3.85%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 3.76% · Tier avg: 22.39%
1
1th pctile
Loan-to-Deposit Ratio
Current: 24.73% · Tier avg: 74.53%
Top Weaknesses
1
1th pctile
Loan-to-Deposit Ratio
Current: 24.73% · Tier avg: 74.53%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 3.76% · Tier avg: 22.39%
4
4th pctile
Net Interest Margin
Current: 2.38% · Tier avg: 3.85%
10
10th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
22
22th pctile
Total Loans
Current: $54.8M · Tier avg: $139.2M
33
33th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.08%
65
65th pctile
Total Deposits
Current: $221.6M · Tier avg: $183.7M
70
70th pctile
Efficiency Ratio
Current: 58.87% · Tier avg: 67.73%
75
75th pctile
Total Assets
Current: $316.2M · Tier avg: $217.5M
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%