BlastPoint's Banking Scorecard
UNB Bank
Micro
Specialty: Mortgage
PA
FDIC cert 7631
Designations: ✓ Community bank
Mount Carmel, PA
2498
banks in Micro tier nationally
44 in PA
View Micro leaderboard (PA) →
UNB Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 0.94% below tier
- - Net Interest Margin 1.39% below tier
- - Efficiency Ratio 27.70% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$169.2M
+2.8% YoY
+1.3% QoQ
|
-$48.3M |
$217.5M
+2.3% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
43% |
| Total Loans ? |
$88.1M
+1.6% YoY
+2.1% QoQ
|
-$51.1M |
$139.2M
+2.8% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
38% |
| Total Deposits ? |
$157.9M
+1.7% YoY
+1.4% QoQ
|
-$25.7M |
$183.7M
+1.8% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
48% |
| Return on Assets ? |
0.14%
+29.4% YoY
+12.6% QoQ
|
-0.94% |
1.08%
+14.7% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 9% in tier |
| Net Interest Margin ? |
2.47%
+4.0% YoY
+0.7% QoQ
|
-1.39% |
3.85%
+6.6% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 5% in tier |
| Efficiency Ratio ? |
95.42%
-0.6% YoY
-0.7% QoQ
|
+27.70% |
67.73%
-4.8% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 7% in tier |
| Delinquency Rate ? |
0.07%
+320.1% YoY
+11.9% QoQ
|
-0.57% |
0.64%
+24.4% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
73% |
| Loan-to-Deposit Ratio ? |
55.79%
-0.2% YoY
+0.8% QoQ
|
-18.74% |
74.53%
+0.5% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
29.03%
+2.6% YoY
-0.4% QoQ
|
+6.64% |
22.39%
-1.3% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
76% |
| Nonperforming Asset Ratio ? |
0.04%
+315.1% YoY
+12.8% QoQ
|
-0.41% |
0.45%
+25.1% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
76% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.29%
-2.3% YoY
+32.1% QoQ
|
-0.27% |
0.56%
+0.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
38% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Return on Assets
metric
Bottom 9%
in Micro
Why this stands out
Current:
0.14%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 5%
in Micro
Why this stands out
Current:
2.47%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
95.42%
(Tier avg: 67.73%, National avg: 65.09%)
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
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 29.03% · Tier avg: 22.39%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.45%
73
73th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Total Deposits
Current: $157.9M · Tier avg: $183.7M
43
43th pctile
Total Assets
Current: $169.2M · Tier avg: $217.5M
38
38th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.56%
38
38th pctile
Total Loans
Current: $88.1M · Tier avg: $139.2M
19
19th pctile
Loan-to-Deposit Ratio
Current: 55.79% · Tier avg: 74.53%
9
9th pctile
Return on Assets
Current: 0.14% · Tier avg: 1.08%
7
7th pctile
Efficiency Ratio
Current: 95.42% · Tier avg: 67.73%
5
5th pctile
Net Interest Margin
Current: 2.47% · Tier avg: 3.85%
Top Weaknesses
5
5th pctile
Net Interest Margin
Current: 2.47% · Tier avg: 3.85%
7
7th pctile
Efficiency Ratio
Current: 95.42% · Tier avg: 67.73%
9
9th pctile
Return on Assets
Current: 0.14% · Tier avg: 1.08%
19
19th pctile
Loan-to-Deposit Ratio
Current: 55.79% · Tier avg: 74.53%
38
38th pctile
Total Loans
Current: $88.1M · Tier avg: $139.2M
38
38th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.56%
43
43th pctile
Total Assets
Current: $169.2M · Tier avg: $217.5M
48
48th pctile
Total Deposits
Current: $157.9M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
73
73th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.64%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.45%
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 29.03% · Tier avg: 22.39%