BlastPoint's Banking Scorecard
Dollar Bank, Federal Savings Bank
Mid-Market
Specialty: Commercial
PA
FDIC cert 32245
Pittsburgh, PA
201
banks in Mid-Market tier nationally
12 in PA
View Mid-Market leaderboard (PA) →
Dollar Bank, Federal 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
- - Liquidity Strain: Bottom 35% in Mid-Market
- - Credit Risk Growth: Bottom 50% in Mid-Market
- - Efficiency Ratio 19.10% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$12.5B
+7.5% YoY
+2.4% QoQ
|
+$2.1B |
$10.5B
+2.9% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
74% |
| Total Loans ? |
$9.6B
+5.5% YoY
+1.4% QoQ
|
+$2.5B |
$7.1B
+4.5% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
77% |
| Total Deposits ? |
$10.1B
+4.1% YoY
+0.6% QoQ
|
+$1.6B |
$8.5B
+3.0% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
73% |
| Return on Assets ? |
0.53%
+24.5% YoY
+3.3% QoQ
|
-0.64% |
1.16%
+9.4% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 14% in tier |
| Net Interest Margin ? |
3.15%
+9.6% YoY
-0.1% QoQ
|
-0.25% |
3.40%
+7.9% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
32% |
| Efficiency Ratio ? |
75.71%
-3.5% YoY
+1.0% QoQ
|
+19.10% |
56.60%
-3.2% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 7% in tier |
| Delinquency Rate ? |
1.15%
+58.4% YoY
+9.6% QoQ
|
+0.46% |
0.68%
+12.0% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
94.81%
+1.3% YoY
+0.8% QoQ
|
+9.33% |
85.47%
+1.1% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
15.38%
-0.3% YoY
+1.4% QoQ
|
-5.26% |
20.64%
-0.3% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
27% |
| Nonperforming Asset Ratio ? |
0.89%
+51.0% YoY
+7.1% QoQ
|
+0.39% |
0.50%
+7.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
18% |
| Tier 1 Capital Ratio ? |
15.21%
-5.1% YoY
-2.2% QoQ
|
+1.66% |
13.55%
+1.8% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.36%
-8.2% YoY
+31.4% QoQ
|
-0.60% |
0.96%
+7.1% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
20% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Liquidity Strain
risk
#29 of 80 · Bottom 35% in Mid-Market
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
94.81%
(Tier: 85.47%, National: 78.04%)
80 of 80 Mid-Market banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Credit Risk Growth
risk
#44 of 87 · Bottom 50% in Mid-Market
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
87 of 87 Mid-Market banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Efficiency Ratio
metric
Bottom 7%
in Mid-Market
Why this stands out
Current:
75.71%
(Tier avg: 56.60%, National avg: 65.09%)
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
82
82th pctile
Tier 1 Capital Ratio
Current: 15.21% · Tier avg: 13.55%
77
77th pctile
Total Loans
Current: $9.6B · Tier avg: $7.1B
76
76th pctile
Loan-to-Deposit Ratio
Current: 94.81% · Tier avg: 85.47%
74
74th pctile
Total Assets
Current: $12.5B · Tier avg: $10.5B
73
73th pctile
Total Deposits
Current: $10.1B · Tier avg: $8.5B
32
32th pctile
Net Interest Margin
Current: 3.15% · Tier avg: 3.40%
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 15.38% · Tier avg: 20.64%
20
20th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.96%
20
20th pctile
Delinquency Rate
Current: 1.15% · Tier avg: 0.68%
18
18th pctile
Nonperforming Asset Ratio
Current: 0.89% · Tier avg: 0.50%
14
14th pctile
Return on Assets
Current: 0.53% · Tier avg: 1.16%
7
7th pctile
Efficiency Ratio
Current: 75.71% · Tier avg: 56.60%
Top Weaknesses
7
7th pctile
Efficiency Ratio
Current: 75.71% · Tier avg: 56.60%
14
14th pctile
Return on Assets
Current: 0.53% · Tier avg: 1.16%
18
18th pctile
Nonperforming Asset Ratio
Current: 0.89% · Tier avg: 0.50%
20
20th pctile
Delinquency Rate
Current: 1.15% · Tier avg: 0.68%
20
20th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.96%
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 15.38% · Tier avg: 20.64%
32
32th pctile
Net Interest Margin
Current: 3.15% · Tier avg: 3.40%
73
73th pctile
Total Deposits
Current: $10.1B · Tier avg: $8.5B
74
74th pctile
Total Assets
Current: $12.5B · Tier avg: $10.5B
76
76th pctile
Loan-to-Deposit Ratio
Current: 94.81% · Tier avg: 85.47%
77
77th pctile
Total Loans
Current: $9.6B · Tier avg: $7.1B
82
82th pctile
Tier 1 Capital Ratio
Current: 15.21% · Tier avg: 13.55%