BlastPoint's Banking Scorecard
Meridian Bank
Community
Specialty: Commercial
PA
FDIC cert 57777
Wayne, PA
1484
banks in Community tier nationally
51 in PA
View Community leaderboard (PA) →
Meridian Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 36% in Community
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 47% in Community
- - Nonperforming Asset Ratio 1.79% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.6B
+7.5% YoY
+0.7% QoQ
|
+$1.2B |
$1.4B
+2.0% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
Top 14% in tier |
| Total Loans ? |
$2.2B
+6.8% YoY
+0.6% QoQ
|
+$1.2B |
$975.5M
+2.4% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
Top 8% in tier |
| Total Deposits ? |
$2.2B
+7.7% YoY
+1.3% QoQ
|
+$998.8M |
$1.2B
+1.7% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
Top 13% in tier |
| Return on Assets ? |
1.05%
+27.7% YoY
+9.1% QoQ
|
-0.12% |
1.16%
+17.2% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
43% |
| Net Interest Margin ? |
3.86%
+15.0% YoY
+2.0% QoQ
|
+0.20% |
3.66%
+9.1% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
63% |
| Efficiency Ratio ? |
62.58%
-7.6% YoY
-1.0% QoQ
|
-0.06% |
62.63%
-5.3% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
49% |
| Delinquency Rate ? |
2.52%
+14.3% YoY
-1.2% QoQ
|
+1.89% |
0.63%
+18.3% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 6% in tier |
| Loan-to-Deposit Ratio ? |
100.90%
-0.9% YoY
-0.6% QoQ
|
+17.84% |
83.06%
+0.3% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Top 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.58%
-4.6% YoY
+1.2% QoQ
|
-9.46% |
21.05%
-0.9% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 14% in tier |
| Nonperforming Asset Ratio ? |
2.29%
+20.5% YoY
+2.8% QoQ
|
+1.79% |
0.50%
+20.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 5% in tier |
| 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 ? |
1.50%
-12.6% YoY
+34.9% QoQ
|
+0.76% |
0.74%
-1.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
Top 7% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#136 of 371 · Top 36% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.50%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.05%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Concerns (2)
Credit Risk Growth
risk
#302 of 642 · Bottom 47% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Nonperforming Asset Ratio
metric
Bottom 5%
in Community
Why this stands out
Current:
2.29%
(Tier avg: 0.50%, National avg: 0.48%)
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
93
93th pctile
Non-Interest Income / Assets
Current: 1.50% · Tier avg: 0.74%
92
92th pctile
Total Loans
Current: $2.2B · Tier avg: $975.5M
89
89th pctile
Loan-to-Deposit Ratio
Current: 100.90% · Tier avg: 83.06%
87
87th pctile
Total Deposits
Current: $2.2B · Tier avg: $1.2B
86
86th pctile
Total Assets
Current: $2.6B · Tier avg: $1.4B
63
63th pctile
Net Interest Margin
Current: 3.86% · Tier avg: 3.66%
49
49th pctile
Efficiency Ratio
Current: 62.58% · Tier avg: 62.63%
43
43th pctile
Return on Assets
Current: 1.05% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.58% · Tier avg: 21.05%
6
6th pctile
Delinquency Rate
Current: 2.52% · Tier avg: 0.63%
5
5th pctile
Nonperforming Asset Ratio
Current: 2.29% · Tier avg: 0.50%
Top Weaknesses
5
5th pctile
Nonperforming Asset Ratio
Current: 2.29% · Tier avg: 0.50%
6
6th pctile
Delinquency Rate
Current: 2.52% · Tier avg: 0.63%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.58% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
43
43th pctile
Return on Assets
Current: 1.05% · Tier avg: 1.16%
49
49th pctile
Efficiency Ratio
Current: 62.58% · Tier avg: 62.63%
63
63th pctile
Net Interest Margin
Current: 3.86% · Tier avg: 3.66%
86
86th pctile
Total Assets
Current: $2.6B · Tier avg: $1.4B
87
87th pctile
Total Deposits
Current: $2.2B · Tier avg: $1.2B
89
89th pctile
Loan-to-Deposit Ratio
Current: 100.90% · Tier avg: 83.06%
92
92th pctile
Total Loans
Current: $2.2B · Tier avg: $975.5M
93
93th pctile
Non-Interest Income / Assets
Current: 1.50% · Tier avg: 0.74%