BlastPoint's Banking Scorecard
Journey Bank
Community
Specialty: Commercial
PA
FDIC cert 686
Bloomsburg, PA
1484
banks in Community tier nationally
51 in PA
View Community leaderboard (PA) →
Journey 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
- - Credit Risk Growth: Bottom 17% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.7B
+4.9% YoY
+1.1% QoQ
|
+$278.7M |
$1.4B
+2.0% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
74% |
| Total Loans ? |
$1.2B
+4.5% YoY
+0.7% QoQ
|
+$193.0M |
$975.5M
+2.4% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
73% |
| Total Deposits ? |
$1.4B
+9.3% YoY
+1.1% QoQ
|
+$248.8M |
$1.2B
+1.7% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
75% |
| Return on Assets ? |
1.50%
+24.7% YoY
+6.8% QoQ
|
+0.34% |
1.16%
+17.2% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
74% |
| Net Interest Margin ? |
4.09%
+17.0% YoY
+1.7% QoQ
|
+0.42% |
3.66%
+9.1% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
73% |
| Efficiency Ratio ? |
54.05%
-6.2% YoY
-2.5% QoQ
|
-8.59% |
62.63%
-5.3% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
75% |
| Delinquency Rate ? |
0.99%
+9.7% YoY
-26.0% QoQ
|
+0.36% |
0.63%
+18.3% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
82.67%
-4.3% YoY
-0.5% QoQ
|
-0.39% |
83.06%
+0.3% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
19.64%
-2.5% YoY
+0.6% QoQ
|
-1.40% |
21.05%
-0.9% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.71%
+11.6% YoY
-24.6% QoQ
|
+0.21% |
0.50%
+20.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
28% |
| Tier 1 Capital Ratio ? |
15.93%
+5.8% YoY
+1.5% QoQ
|
+5.69% |
10.24%
-0.6% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.63%
-1.5% YoY
+33.5% QoQ
|
-0.11% |
0.74%
-1.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
64% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Risk Growth
risk
#111 of 642 · Bottom 17% 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 improving
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
82
82th pctile
Tier 1 Capital Ratio
Current: 15.93% · Tier avg: 10.24%
75
75th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
75
75th pctile
Efficiency Ratio
Current: 54.05% · Tier avg: 62.63%
74
74th pctile
Total Assets
Current: $1.7B · Tier avg: $1.4B
74
74th pctile
Return on Assets
Current: 1.50% · Tier avg: 1.16%
73
73th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
73
73th pctile
Net Interest Margin
Current: 4.09% · Tier avg: 3.66%
64
64th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 0.74%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 19.64% · Tier avg: 21.05%
44
44th pctile
Loan-to-Deposit Ratio
Current: 82.67% · Tier avg: 83.06%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.71% · Tier avg: 0.50%
26
26th pctile
Delinquency Rate
Current: 0.99% · Tier avg: 0.63%
Top Weaknesses
26
26th pctile
Delinquency Rate
Current: 0.99% · Tier avg: 0.63%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.71% · Tier avg: 0.50%
44
44th pctile
Loan-to-Deposit Ratio
Current: 82.67% · Tier avg: 83.06%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 19.64% · Tier avg: 21.05%
64
64th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 0.74%
73
73th pctile
Net Interest Margin
Current: 4.09% · Tier avg: 3.66%
73
73th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
74
74th pctile
Return on Assets
Current: 1.50% · Tier avg: 1.16%
74
74th pctile
Total Assets
Current: $1.7B · Tier avg: $1.4B
75
75th pctile
Efficiency Ratio
Current: 54.05% · Tier avg: 62.63%
75
75th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
82
82th pctile
Tier 1 Capital Ratio
Current: 15.93% · Tier avg: 10.24%