BlastPoint's Banking Scorecard
First Resource Bank
Community
Specialty: Commercial
PA
FDIC cert 57967
Exton, PA
1484
banks in Community tier nationally
51 in PA
View Community leaderboard (PA) →
First Resource Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.57% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$817.3M
+23.2% YoY
+12.8% QoQ
|
-$574.1M |
$1.4B
+2.0% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
36% |
| Total Loans ? |
$673.5M
+13.6% YoY
+3.5% QoQ
|
-$302.0M |
$975.5M
+2.4% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
48% |
| Total Deposits ? |
$730.2M
+31.9% YoY
+15.6% QoQ
|
-$434.4M |
$1.2B
+1.7% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
41% |
| Return on Assets ? |
1.18%
+35.7% YoY
+0.9% QoQ
|
+0.02% |
1.16%
+17.2% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
55% |
| Net Interest Margin ? |
3.69%
+10.2% YoY
+0.8% QoQ
|
+0.03% |
3.66%
+9.1% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
52% |
| Efficiency Ratio ? |
56.98%
-6.7% YoY
-1.3% QoQ
|
-5.65% |
62.63%
-5.3% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
67% |
| Delinquency Rate ? |
0.11%
-49.0% YoY
|
-0.52% |
0.63%
+18.3% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
92.24%
-13.9% YoY
-10.4% QoQ
|
+9.17% |
83.06%
+0.3% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
17.15%
+8.1% YoY
+7.7% QoQ
|
-3.90% |
21.05%
-0.9% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
35% |
| Nonperforming Asset Ratio ? |
0.09%
-53.0% YoY
|
-0.41% |
0.50%
+20.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
80% |
| Tier 1 Capital Ratio ? |
10.87%
+8.0% YoY
+5.8% QoQ
|
+0.63% |
10.24%
-0.6% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
36% |
| Non-Interest Income / Assets ? |
0.17%
-9.5% YoY
+16.5% QoQ
|
-0.57% |
0.74%
-1.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 9% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 9%
in Community
Why this stands out
Current:
0.17%
(Tier avg: 0.74%, National avg: 0.65%)
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
Delinquency Rate
Current: 0.11% · Tier avg: 0.63%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
71
71th pctile
Loan-to-Deposit Ratio
Current: 92.24% · Tier avg: 83.06%
67
67th pctile
Efficiency Ratio
Current: 56.98% · Tier avg: 62.63%
55
55th pctile
Return on Assets
Current: 1.18% · Tier avg: 1.16%
52
52th pctile
Net Interest Margin
Current: 3.69% · Tier avg: 3.66%
48
48th pctile
Total Loans
Current: $673.5M · Tier avg: $975.5M
41
41th pctile
Total Deposits
Current: $730.2M · Tier avg: $1.2B
36
36th pctile
Total Assets
Current: $817.3M · Tier avg: $1.4B
36
36th pctile
Tier 1 Capital Ratio
Current: 10.87% · Tier avg: 10.24%
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 17.15% · Tier avg: 21.05%
9
9th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.74%
Top Weaknesses
9
9th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.74%
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 17.15% · Tier avg: 21.05%
36
36th pctile
Tier 1 Capital Ratio
Current: 10.87% · Tier avg: 10.24%
36
36th pctile
Total Assets
Current: $817.3M · Tier avg: $1.4B
41
41th pctile
Total Deposits
Current: $730.2M · Tier avg: $1.2B
48
48th pctile
Total Loans
Current: $673.5M · Tier avg: $975.5M
52
52th pctile
Net Interest Margin
Current: 3.69% · Tier avg: 3.66%
55
55th pctile
Return on Assets
Current: 1.18% · Tier avg: 1.16%
67
67th pctile
Efficiency Ratio
Current: 56.98% · Tier avg: 62.63%
71
71th pctile
Loan-to-Deposit Ratio
Current: 92.24% · Tier avg: 83.06%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
81
81th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.63%