BlastPoint's Banking Scorecard
The Juniata Valley Bank
Community
Specialty: Commercial
PA
FDIC cert 7614
Mifflintown, PA
1484
banks in Community tier nationally
51 in PA
View Community leaderboard (PA) →
The Juniata Valley Bank shows strong momentum with 1 strength and 5.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 24% in Community
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 ? |
$895.5M
+5.6% YoY
+1.8% QoQ
|
-$496.0M |
$1.4B
+2.0% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
43% |
| Total Loans ? |
$594.3M
+12.6% YoY
+4.1% QoQ
|
-$381.2M |
$975.5M
+2.4% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
40% |
| Total Deposits ? |
$781.9M
+4.5% YoY
+0.8% QoQ
|
-$382.7M |
$1.2B
+1.7% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
45% |
| Return on Assets ? |
0.92%
+26.5% YoY
-1.2% QoQ
|
-0.24% |
1.16%
+17.2% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
33% |
| Net Interest Margin ? |
3.12%
+9.2% YoY
+1.6% QoQ
|
-0.54% |
3.66%
+9.1% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
22% |
| Efficiency Ratio ? |
66.79%
-8.4% YoY
+1.1% QoQ
|
+4.16% |
62.63%
-5.3% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
36% |
| Delinquency Rate ? |
0.11%
-8.3% YoY
+8.9% QoQ
|
-0.52% |
0.63%
+18.3% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
76.01%
+7.7% YoY
+3.3% QoQ
|
-7.05% |
83.06%
+0.3% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
26.85%
+2.0% YoY
+0.4% QoQ
|
+5.81% |
21.05%
-0.9% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
76% |
| Nonperforming Asset Ratio ? |
0.07%
-2.2% YoY
+11.4% QoQ
|
-0.43% |
0.50%
+20.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
83% |
| Tier 1 Capital Ratio ? |
11.44%
-2.6% YoY
-3.8% QoQ
|
+1.20% |
10.24%
-0.6% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
41% |
| Non-Interest Income / Assets ? |
0.63%
-6.5% YoY
+29.9% QoQ
|
-0.11% |
0.74%
-1.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
64% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#91 of 371 · Top 24% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.11%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
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
83
83th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
81
81th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.63%
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 26.85% · Tier avg: 21.05%
70
70th pctile
Loan-to-Deposit Ratio
Current: 76.01% · Tier avg: 83.06%
64
64th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 0.74%
45
45th pctile
Total Deposits
Current: $781.9M · Tier avg: $1.2B
43
43th pctile
Total Assets
Current: $895.5M · Tier avg: $1.4B
41
41th pctile
Tier 1 Capital Ratio
Current: 11.44% · Tier avg: 10.24%
40
40th pctile
Total Loans
Current: $594.3M · Tier avg: $975.5M
36
36th pctile
Efficiency Ratio
Current: 66.79% · Tier avg: 62.63%
33
33th pctile
Return on Assets
Current: 0.92% · Tier avg: 1.16%
22
22th pctile
Net Interest Margin
Current: 3.12% · Tier avg: 3.66%
Top Weaknesses
22
22th pctile
Net Interest Margin
Current: 3.12% · Tier avg: 3.66%
33
33th pctile
Return on Assets
Current: 0.92% · Tier avg: 1.16%
36
36th pctile
Efficiency Ratio
Current: 66.79% · Tier avg: 62.63%
40
40th pctile
Total Loans
Current: $594.3M · Tier avg: $975.5M
41
41th pctile
Tier 1 Capital Ratio
Current: 11.44% · Tier avg: 10.24%
43
43th pctile
Total Assets
Current: $895.5M · Tier avg: $1.4B
45
45th pctile
Total Deposits
Current: $781.9M · Tier avg: $1.2B
64
64th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 0.74%
70
70th pctile
Loan-to-Deposit Ratio
Current: 76.01% · Tier avg: 83.06%
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 26.85% · Tier avg: 21.05%
81
81th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.63%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%