BlastPoint's Banking Scorecard
Greenville Savings Bank
Micro
Specialty: Mortgage
PA
FDIC cert 30637
Designations: ✓ Community bank ✓ Mutual
Greenville, PA
2498
banks in Micro tier nationally
44 in PA
View Micro leaderboard (PA) →
Greenville Savings Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.40% below tier
- - Loan-to-Deposit Ratio 31.55% above tier
- - Non-Interest-Bearing Deposit Share 13.83% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$344.5M
+4.3% YoY
+1.2% QoQ
|
+$127.0M |
$217.5M
+2.3% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
80% |
| Total Loans ? |
$270.1M
+5.9% YoY
+1.4% QoQ
|
+$130.9M |
$139.2M
+2.8% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
Top 12% in tier |
| Total Deposits ? |
$254.6M
+2.8% YoY
+0.4% QoQ
|
+$70.9M |
$183.7M
+1.8% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
72% |
| Return on Assets ? |
0.40%
+69.9% YoY
+19.2% QoQ
|
-0.69% |
1.08%
+14.7% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 15% in tier |
| Net Interest Margin ? |
2.45%
+16.5% YoY
+2.8% QoQ
|
-1.40% |
3.85%
+6.6% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 5% in tier |
| Efficiency Ratio ? |
79.22%
-11.4% YoY
-3.6% QoQ
|
+11.49% |
67.73%
-4.8% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
22% |
| Delinquency Rate ? |
0.17%
-36.0% YoY
+42.6% QoQ
|
-0.47% |
0.64%
+24.4% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
106.07%
+2.9% YoY
+1.0% QoQ
|
+31.55% |
74.53%
+0.5% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.56%
-8.0% YoY
-8.2% QoQ
|
-13.83% |
22.39%
-1.3% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 9% in tier |
| Nonperforming Asset Ratio ? |
0.20%
+0.8% YoY
+15.7% QoQ
|
-0.25% |
0.45%
+25.1% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
56% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.15%
-18.5% YoY
+36.4% QoQ
|
-0.41% |
0.56%
+0.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 15% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Net Interest Margin
metric
Bottom 5%
in Micro
Why this stands out
Current:
2.45%
(Tier avg: 3.85%, National avg: 3.75%)
Loan-to-Deposit Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
106.07%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 9%
in Micro
Why this stands out
Current:
8.56%
(Tier avg: 22.39%, National avg: 21.79%)
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
88
88th pctile
Total Loans
Current: $270.1M · Tier avg: $139.2M
80
80th pctile
Total Assets
Current: $344.5M · Tier avg: $217.5M
72
72th pctile
Total Deposits
Current: $254.6M · Tier avg: $183.7M
65
65th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.64%
56
56th pctile
Nonperforming Asset Ratio
Current: 0.20% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
22
22th pctile
Efficiency Ratio
Current: 79.22% · Tier avg: 67.73%
15
15th pctile
Return on Assets
Current: 0.40% · Tier avg: 1.08%
15
15th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 8.56% · Tier avg: 22.39%
5
5th pctile
Net Interest Margin
Current: 2.45% · Tier avg: 3.85%
5
5th pctile
Loan-to-Deposit Ratio
Current: 106.07% · Tier avg: 74.53%
Top Weaknesses
5
5th pctile
Loan-to-Deposit Ratio
Current: 106.07% · Tier avg: 74.53%
5
5th pctile
Net Interest Margin
Current: 2.45% · Tier avg: 3.85%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 8.56% · Tier avg: 22.39%
15
15th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
15
15th pctile
Return on Assets
Current: 0.40% · Tier avg: 1.08%
22
22th pctile
Efficiency Ratio
Current: 79.22% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
56
56th pctile
Nonperforming Asset Ratio
Current: 0.20% · Tier avg: 0.45%
65
65th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.64%
72
72th pctile
Total Deposits
Current: $254.6M · Tier avg: $183.7M
80
80th pctile
Total Assets
Current: $344.5M · Tier avg: $217.5M
88
88th pctile
Total Loans
Current: $270.1M · Tier avg: $139.2M