BlastPoint's Banking Scorecard
TriState Capital Bank
Mid-Market
Specialty: Other
PA
FDIC cert 58457
Pittsburgh, PA
201
banks in Mid-Market tier nationally
12 in PA
View Mid-Market leaderboard (PA) →
TriState Capital Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 4.39% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 32% in Mid-Market
- - Net Interest Margin 1.34% below tier
- - Non-Interest-Bearing Deposit Share 17.92% below tier
- - Non-Interest Income / 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 ? |
$23.3B
+11.3% YoY
+4.5% QoQ
|
+$12.9B |
$10.5B
+2.9% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
Top 3% in tier |
| Total Loans ? |
$17.8B
+19.9% YoY
+7.5% QoQ
|
+$10.6B |
$7.1B
+4.5% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$21.5B
+12.1% YoY
+4.7% QoQ
|
+$12.9B |
$8.5B
+3.0% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
Top 1% in tier |
| Return on Assets ? |
0.78%
-5.7% YoY
+2.0% QoQ
|
-0.39% |
1.16%
+9.4% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
24% |
| Net Interest Margin ? |
2.06%
-4.4% YoY
-0.3% QoQ
|
-1.34% |
3.40%
+7.9% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 7% in tier |
| Efficiency Ratio ? |
47.15%
-1.4% YoY
-2.3% QoQ
|
-9.45% |
56.60%
-3.2% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
82% |
| Delinquency Rate ? |
0.48%
+35.9% YoY
+26.8% QoQ
|
-0.20% |
0.68%
+12.0% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
82.77%
+7.0% YoY
+2.7% QoQ
|
-2.70% |
85.47%
+1.1% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
2.72%
-8.6% YoY
+25.4% QoQ
|
-17.92% |
20.64%
-0.3% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 7% in tier |
| Nonperforming Asset Ratio ? |
0.37%
+46.4% YoY
+30.4% QoQ
|
-0.13% |
0.50%
+7.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
55% |
| Tier 1 Capital Ratio ? |
17.94%
+5.7% YoY
+6.9% QoQ
|
+4.39% |
13.55%
+1.8% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
Top 7% in tier |
| Non-Interest Income / Assets ? |
0.10%
-7.7% YoY
+31.1% QoQ
|
-0.86% |
0.96%
+7.1% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 3% in tier |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 7%
in Mid-Market
Why this stands out
Current:
17.94%
(Tier avg: 13.55%, National avg: 9.75%)
Concerns (4)
Liquidity Overhang
risk
#9 of 26 · Bottom 32% in Mid-Market
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
17.94%
(Tier: 13.55%, National: 9.75%)
Loan-to-Deposit Ratio:
82.77%
(Tier: 85.47%, National: 78.04%)
26 of 26 Mid-Market banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Net Interest Margin
metric
Bottom 7%
in Mid-Market
Why this stands out
Current:
2.06%
(Tier avg: 3.40%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 7%
in Mid-Market
Why this stands out
Current:
2.72%
(Tier avg: 20.64%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 3%
in Mid-Market
Why this stands out
Current:
0.10%
(Tier avg: 0.96%, 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
100
100th pctile
Total Deposits
Current: $21.5B · Tier avg: $8.5B
99
99th pctile
Total Loans
Current: $17.8B · Tier avg: $7.1B
97
97th pctile
Total Assets
Current: $23.3B · Tier avg: $10.5B
93
93th pctile
Tier 1 Capital Ratio
Current: 17.94% · Tier avg: 13.55%
82
82th pctile
Efficiency Ratio
Current: 47.15% · Tier avg: 56.60%
63
63th pctile
Loan-to-Deposit Ratio
Current: 82.77% · Tier avg: 85.47%
58
58th pctile
Delinquency Rate
Current: 0.48% · Tier avg: 0.68%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.50%
24
24th pctile
Return on Assets
Current: 0.78% · Tier avg: 1.16%
7
7th pctile
Net Interest Margin
Current: 2.06% · Tier avg: 3.40%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 2.72% · Tier avg: 20.64%
3
3th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.96%
Top Weaknesses
3
3th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.96%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 2.72% · Tier avg: 20.64%
7
7th pctile
Net Interest Margin
Current: 2.06% · Tier avg: 3.40%
24
24th pctile
Return on Assets
Current: 0.78% · Tier avg: 1.16%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.50%
58
58th pctile
Delinquency Rate
Current: 0.48% · Tier avg: 0.68%
63
63th pctile
Loan-to-Deposit Ratio
Current: 82.77% · Tier avg: 85.47%
82
82th pctile
Efficiency Ratio
Current: 47.15% · Tier avg: 56.60%
93
93th pctile
Tier 1 Capital Ratio
Current: 17.94% · Tier avg: 13.55%
97
97th pctile
Total Assets
Current: $23.3B · Tier avg: $10.5B
99
99th pctile
Total Loans
Current: $17.8B · Tier avg: $7.1B
100
100th pctile
Total Deposits
Current: $21.5B · Tier avg: $8.5B