BlastPoint's Banking Scorecard
PS Bank
Community
Specialty: Commercial
PA
FDIC cert 444
Wyalusing, PA
1484
banks in Community tier nationally
51 in PA
View Community leaderboard (PA) →
PS Bank shows strong momentum with 2 strengths and 10.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 24% in Community
- + Profitability Leader: Top 44% in Community
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$640.9M
+10.3% YoY
+2.0% QoQ
|
-$750.6M |
$1.4B
+2.0% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
20% |
| Total Loans ? |
$419.9M
+10.7% YoY
+2.7% QoQ
|
-$555.6M |
$975.5M
+2.4% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
18% |
| Total Deposits ? |
$559.8M
+9.6% YoY
+1.9% QoQ
|
-$604.9M |
$1.2B
+1.7% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
23% |
| Return on Assets ? |
1.65%
+26.8% YoY
+2.5% QoQ
|
+0.48% |
1.16%
+17.2% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
81% |
| Net Interest Margin ? |
3.85%
+11.8% YoY
+2.4% QoQ
|
+0.19% |
3.66%
+9.1% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
63% |
| Efficiency Ratio ? |
51.46%
-11.3% YoY
-2.0% QoQ
|
-11.17% |
62.63%
-5.3% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
81% |
| Delinquency Rate ? |
0.14%
-20.3% YoY
-46.8% QoQ
|
-0.49% |
0.63%
+18.3% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
75.02%
+1.0% YoY
+0.9% QoQ
|
-8.04% |
83.06%
+0.3% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
26.74%
-0.7% YoY
-1.7% QoQ
|
+5.70% |
21.05%
-0.9% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
75% |
| Nonperforming Asset Ratio ? |
0.09%
-20.0% YoY
-49.6% QoQ
|
-0.41% |
0.50%
+20.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
80% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.65%
+6.2% YoY
+23.3% QoQ
|
-0.09% |
0.74%
-1.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
65% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#89 of 371 · Top 24% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.14%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
Profitability Leader
growth
#165 of 371 · Top 44% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.65%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Concerns (0)
No concerns identified
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
Return on Assets
Current: 1.65% · Tier avg: 1.16%
81
81th pctile
Efficiency Ratio
Current: 51.46% · Tier avg: 62.63%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
78
78th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.63%
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 26.74% · Tier avg: 21.05%
65
65th pctile
Non-Interest Income / Assets
Current: 0.65% · Tier avg: 0.74%
63
63th pctile
Net Interest Margin
Current: 3.85% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
28
28th pctile
Loan-to-Deposit Ratio
Current: 75.02% · Tier avg: 83.06%
23
23th pctile
Total Deposits
Current: $559.8M · Tier avg: $1.2B
20
20th pctile
Total Assets
Current: $640.9M · Tier avg: $1.4B
18
18th pctile
Total Loans
Current: $419.9M · Tier avg: $975.5M
Top Weaknesses
18
18th pctile
Total Loans
Current: $419.9M · Tier avg: $975.5M
20
20th pctile
Total Assets
Current: $640.9M · Tier avg: $1.4B
23
23th pctile
Total Deposits
Current: $559.8M · Tier avg: $1.2B
28
28th pctile
Loan-to-Deposit Ratio
Current: 75.02% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
63
63th pctile
Net Interest Margin
Current: 3.85% · Tier avg: 3.66%
65
65th pctile
Non-Interest Income / Assets
Current: 0.65% · Tier avg: 0.74%
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 26.74% · Tier avg: 21.05%
78
78th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.63%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
81
81th pctile
Efficiency Ratio
Current: 51.46% · Tier avg: 62.63%
81
81th pctile
Return on Assets
Current: 1.65% · Tier avg: 1.16%