BlastPoint's Banking Scorecard
Bank of Bird-in-Hand
Community
Specialty: Agricultural
PA
FDIC cert 59074
Bird In Hand, PA
1484
banks in Community tier nationally
51 in PA
View Community leaderboard (PA) →
Bank of Bird-in-Hand 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-Bearing Deposit Share 11.96% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.8B
+12.5% YoY
+3.9% QoQ
|
+$399.3M |
$1.4B
+2.0% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
76% |
| Total Loans ? |
$1.6B
+16.0% YoY
+4.1% QoQ
|
+$624.7M |
$975.5M
+2.4% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
83% |
| Total Deposits ? |
$1.6B
+18.5% YoY
+5.4% QoQ
|
+$411.4M |
$1.2B
+1.7% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
77% |
| Return on Assets ? |
0.81%
+47.5% YoY
+7.0% QoQ
|
-0.36% |
1.16%
+17.2% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
25% |
| Net Interest Margin ? |
2.86%
+14.7% YoY
+2.5% QoQ
|
-0.80% |
3.66%
+9.1% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 13% in tier |
| Efficiency Ratio ? |
60.42%
-13.6% YoY
-1.5% QoQ
|
-2.21% |
62.63%
-5.3% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
55% |
| Delinquency Rate ? |
0.19%
-6.1% QoQ
|
-0.44% |
0.63%
+18.3% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
101.53%
-2.1% YoY
-1.2% QoQ
|
+18.47% |
83.06%
+0.3% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.09%
+1.0% YoY
+8.7% QoQ
|
-11.96% |
21.05%
-0.9% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 8% in tier |
| Nonperforming Asset Ratio ? |
0.17%
-5.8% QoQ
|
-0.33% |
0.50%
+20.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
69% |
| Tier 1 Capital Ratio ? |
10.96%
+2.1% YoY
+1.4% QoQ
|
+0.72% |
10.24%
-0.6% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
36% |
| Non-Interest Income / Assets ? |
0.25%
+9.3% YoY
+31.7% QoQ
|
-0.49% |
0.74%
-1.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
16% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 8%
in Community
Why this stands out
Current:
9.09%
(Tier avg: 21.05%, National avg: 21.79%)
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
83
83th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M
77
77th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
76
76th pctile
Total Assets
Current: $1.8B · Tier avg: $1.4B
72
72th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.63%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.50%
55
55th pctile
Efficiency Ratio
Current: 60.42% · Tier avg: 62.63%
36
36th pctile
Tier 1 Capital Ratio
Current: 10.96% · Tier avg: 10.24%
25
25th pctile
Return on Assets
Current: 0.81% · Tier avg: 1.16%
16
16th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.74%
13
13th pctile
Net Interest Margin
Current: 2.86% · Tier avg: 3.66%
10
10th pctile
Loan-to-Deposit Ratio
Current: 101.53% · Tier avg: 83.06%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 9.09% · Tier avg: 21.05%
Top Weaknesses
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 9.09% · Tier avg: 21.05%
10
10th pctile
Loan-to-Deposit Ratio
Current: 101.53% · Tier avg: 83.06%
13
13th pctile
Net Interest Margin
Current: 2.86% · Tier avg: 3.66%
16
16th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.74%
25
25th pctile
Return on Assets
Current: 0.81% · Tier avg: 1.16%
36
36th pctile
Tier 1 Capital Ratio
Current: 10.96% · Tier avg: 10.24%
55
55th pctile
Efficiency Ratio
Current: 60.42% · Tier avg: 62.63%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.50%
72
72th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.63%
76
76th pctile
Total Assets
Current: $1.8B · Tier avg: $1.4B
77
77th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
83
83th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M