BlastPoint's Banking Scorecard
Quaint Oak Bank
Community
Specialty: Commercial
PA
FDIC cert 35497
Southampton, PA
1484
banks in Community tier nationally
51 in PA
View Community leaderboard (PA) →
Quaint Oak Bank faces 4 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 1% in Community
- - Efficiency Drag: Bottom 21% in Community
- - Liquidity Strain: Bottom 25% in Community
- - Return on Assets 0.86% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$676.8M
-1.4% YoY
-0.2% QoQ
|
-$714.6M |
$1.4B
+2.0% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
25% |
| Total Loans ? |
$601.7M
+0.4% YoY
+0.0% QoQ
|
-$373.8M |
$975.5M
+2.4% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
41% |
| Total Deposits ? |
$603.6M
+7.6% YoY
+7.8% QoQ
|
-$561.0M |
$1.2B
+1.7% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
28% |
| Return on Assets ? |
0.30%
-29.0% YoY
+4.2% QoQ
|
-0.86% |
1.16%
+17.2% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 6% in tier |
| Net Interest Margin ? |
2.99%
+7.9% YoY
+2.7% QoQ
|
-0.67% |
3.66%
+9.1% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
18% |
| Efficiency Ratio ? |
84.96%
+6.5% YoY
+2.3% QoQ
|
+22.33% |
62.63%
-5.3% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 6% in tier |
| Delinquency Rate ? |
1.22%
+15.6% YoY
+16.0% QoQ
|
+0.59% |
0.63%
+18.3% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
99.68%
-6.6% YoY
-7.2% QoQ
|
+16.62% |
83.06%
+0.3% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.14%
+41.5% YoY
+41.1% QoQ
|
-4.91% |
21.05%
-0.9% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
31% |
| Nonperforming Asset Ratio ? |
1.14%
+23.5% YoY
+21.9% QoQ
|
+0.64% |
0.50%
+20.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
16% |
| Tier 1 Capital Ratio ? |
12.36%
-5.6% YoY
+0.4% QoQ
|
+2.12% |
10.24%
-0.6% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
1.12%
+9.5% YoY
+30.0% QoQ
|
+0.38% |
0.74%
-1.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
Top 11% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Flatlined Growth
risk
#4 of 245 · Bottom 1% 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:
0.30%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Efficiency Drag
risk
#33 of 152 · Bottom 21% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
84.96%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
Liquidity Strain
risk
#130 of 513 · Bottom 25% 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:
99.68%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 6%
in Community
Why this stands out
Current:
0.30%
(Tier avg: 1.16%, National avg: 1.12%)
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
89
89th pctile
Non-Interest Income / Assets
Current: 1.12% · Tier avg: 0.74%
51
51th pctile
Tier 1 Capital Ratio
Current: 12.36% · Tier avg: 10.24%
41
41th pctile
Total Loans
Current: $601.7M · Tier avg: $975.5M
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 16.14% · Tier avg: 21.05%
28
28th pctile
Total Deposits
Current: $603.6M · Tier avg: $1.2B
25
25th pctile
Total Assets
Current: $676.8M · Tier avg: $1.4B
20
20th pctile
Delinquency Rate
Current: 1.22% · Tier avg: 0.63%
18
18th pctile
Net Interest Margin
Current: 2.99% · Tier avg: 3.66%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.14% · Tier avg: 0.50%
13
13th pctile
Loan-to-Deposit Ratio
Current: 99.68% · Tier avg: 83.06%
6
6th pctile
Return on Assets
Current: 0.30% · Tier avg: 1.16%
6
6th pctile
Efficiency Ratio
Current: 84.96% · Tier avg: 62.63%
Top Weaknesses
6
6th pctile
Efficiency Ratio
Current: 84.96% · Tier avg: 62.63%
6
6th pctile
Return on Assets
Current: 0.30% · Tier avg: 1.16%
13
13th pctile
Loan-to-Deposit Ratio
Current: 99.68% · Tier avg: 83.06%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.14% · Tier avg: 0.50%
18
18th pctile
Net Interest Margin
Current: 2.99% · Tier avg: 3.66%
20
20th pctile
Delinquency Rate
Current: 1.22% · Tier avg: 0.63%
25
25th pctile
Total Assets
Current: $676.8M · Tier avg: $1.4B
28
28th pctile
Total Deposits
Current: $603.6M · Tier avg: $1.2B
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 16.14% · Tier avg: 21.05%
41
41th pctile
Total Loans
Current: $601.7M · Tier avg: $975.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 12.36% · Tier avg: 10.24%
89
89th pctile
Non-Interest Income / Assets
Current: 1.12% · Tier avg: 0.74%