BlastPoint's Banking Scorecard
Jim Thorpe Neighborhood Bank
Micro
Specialty: Other
PA
FDIC cert 7599
Designations: ✓ Community bank
Jim Thorpe, PA
2498
banks in Micro tier nationally
44 in PA
View Micro leaderboard (PA) →
Jim Thorpe Neighborhood Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$260.5M
-0.2% YoY
-2.6% QoQ
|
+$43.0M |
$217.5M
+2.3% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
64% |
| Total Loans ? |
$123.7M
-2.0% YoY
-2.1% QoQ
|
-$15.4M |
$139.2M
+2.8% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
51% |
| Total Deposits ? |
$237.3M
-1.9% YoY
-3.2% QoQ
|
+$53.6M |
$183.7M
+1.8% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
68% |
| Return on Assets ? |
0.84%
+17.2% YoY
-0.4% QoQ
|
-0.24% |
1.08%
+14.7% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
36% |
| Net Interest Margin ? |
3.18%
+9.4% YoY
+1.0% QoQ
|
-0.68% |
3.85%
+6.6% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
22% |
| Efficiency Ratio ? |
69.06%
-4.5% YoY
+0.6% QoQ
|
+1.34% |
67.73%
-4.8% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
42% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+24.4% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
52.15%
-0.1% YoY
+1.2% QoQ
|
-22.38% |
74.53%
+0.5% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Top 15% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.16%
-1.9% YoY
-1.0% QoQ
|
+2.77% |
22.39%
-1.3% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
64% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.45% |
0.45%
+25.1% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
20.77%
+6.1% YoY
+0.1% QoQ
|
+11.92% |
8.85%
-3.4% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
Top 13% in tier |
| Non-Interest Income / Assets ? |
0.26%
-16.3% YoY
+38.3% QoQ
|
-0.30% |
0.56%
+0.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
34% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (0)
No concerns identified
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
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
87
87th pctile
Tier 1 Capital Ratio
Current: 20.77% · Tier avg: 8.85%
85
85th pctile
Loan-to-Deposit Ratio
Current: 52.15% · Tier avg: 74.53%
68
68th pctile
Total Deposits
Current: $237.3M · Tier avg: $183.7M
64
64th pctile
Total Assets
Current: $260.5M · Tier avg: $217.5M
64
64th pctile
Non-Interest-Bearing Deposit Share
Current: 25.16% · Tier avg: 22.39%
51
51th pctile
Total Loans
Current: $123.7M · Tier avg: $139.2M
42
42th pctile
Efficiency Ratio
Current: 69.06% · Tier avg: 67.73%
36
36th pctile
Return on Assets
Current: 0.84% · Tier avg: 1.08%
34
34th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.56%
22
22th pctile
Net Interest Margin
Current: 3.18% · Tier avg: 3.85%
Top Weaknesses
22
22th pctile
Net Interest Margin
Current: 3.18% · Tier avg: 3.85%
34
34th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.56%
36
36th pctile
Return on Assets
Current: 0.84% · Tier avg: 1.08%
42
42th pctile
Efficiency Ratio
Current: 69.06% · Tier avg: 67.73%
51
51th pctile
Total Loans
Current: $123.7M · Tier avg: $139.2M
64
64th pctile
Non-Interest-Bearing Deposit Share
Current: 25.16% · Tier avg: 22.39%
64
64th pctile
Total Assets
Current: $260.5M · Tier avg: $217.5M
68
68th pctile
Total Deposits
Current: $237.3M · Tier avg: $183.7M
85
85th pctile
Loan-to-Deposit Ratio
Current: 52.15% · Tier avg: 74.53%
87
87th pctile
Tier 1 Capital Ratio
Current: 20.77% · Tier avg: 8.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%