BlastPoint's Banking Scorecard
The Neffs National Bank
Micro
Specialty: Other
PA
FDIC cert 7646
Designations: ✓ Community bank
Neffs, PA
2498
banks in Micro tier nationally
44 in PA
View Micro leaderboard (PA) →
The Neffs National Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.41% below tier
- - Non-Interest Income / Assets 0.49% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$470.4M
+2.9% YoY
+0.4% QoQ
|
+$252.9M |
$217.5M
+2.3% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
Top 4% in tier |
| Total Loans ? |
$251.5M
+6.4% YoY
-0.1% QoQ
|
+$112.3M |
$139.2M
+2.8% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
85% |
| Total Deposits ? |
$359.4M
-2.7% YoY
-1.0% QoQ
|
+$175.8M |
$183.7M
+1.8% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
Top 9% in tier |
| Return on Assets ? |
0.62%
+21.2% YoY
+3.7% QoQ
|
-0.46% |
1.08%
+14.7% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
23% |
| Net Interest Margin ? |
2.45%
+11.0% YoY
+2.1% QoQ
|
-1.41% |
3.85%
+6.6% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 5% in tier |
| Efficiency Ratio ? |
74.29%
-2.9% YoY
-1.4% QoQ
|
+6.56% |
67.73%
-4.8% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
30% |
| Delinquency Rate ? |
0.04%
-19.8% YoY
-11.5% QoQ
|
-0.60% |
0.64%
+24.4% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
69.97%
+9.3% YoY
+0.9% QoQ
|
-4.56% |
74.53%
+0.5% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
22.28%
+1.1% YoY
+4.7% QoQ
|
-0.11% |
22.39%
-1.3% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
53% |
| Nonperforming Asset Ratio ? |
0.09%
+251.0% YoY
-6.2% QoQ
|
-0.36% |
0.45%
+25.1% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
69% |
| 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 ? |
0.07%
-2.8% YoY
+33.5% QoQ
|
-0.49% |
0.56%
+0.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 5% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Net Interest Margin
metric
Bottom 5%
in Micro
Why this stands out
Current:
2.45%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Bottom 5%
in Micro
Why this stands out
Current:
0.07%
(Tier avg: 0.56%, National avg: 0.65%)
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
96
96th pctile
Total Assets
Current: $470.4M · Tier avg: $217.5M
91
91th pctile
Total Deposits
Current: $359.4M · Tier avg: $183.7M
85
85th pctile
Total Loans
Current: $251.5M · Tier avg: $139.2M
76
76th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.64%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.45%
61
61th pctile
Loan-to-Deposit Ratio
Current: 69.97% · Tier avg: 74.53%
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 22.28% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
30
30th pctile
Efficiency Ratio
Current: 74.29% · Tier avg: 67.73%
23
23th pctile
Return on Assets
Current: 0.62% · Tier avg: 1.08%
5
5th pctile
Net Interest Margin
Current: 2.45% · Tier avg: 3.85%
5
5th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.56%
Top Weaknesses
5
5th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.56%
5
5th pctile
Net Interest Margin
Current: 2.45% · Tier avg: 3.85%
23
23th pctile
Return on Assets
Current: 0.62% · Tier avg: 1.08%
30
30th pctile
Efficiency Ratio
Current: 74.29% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 22.28% · Tier avg: 22.39%
61
61th pctile
Loan-to-Deposit Ratio
Current: 69.97% · Tier avg: 74.53%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.45%
76
76th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.64%
85
85th pctile
Total Loans
Current: $251.5M · Tier avg: $139.2M
91
91th pctile
Total Deposits
Current: $359.4M · Tier avg: $183.7M
96
96th pctile
Total Assets
Current: $470.4M · Tier avg: $217.5M