BlastPoint's Banking Scorecard
New Tripoli Bank
Community
Specialty: Commercial
PA
FDIC cert 7659
New Tripoli, PA
1484
banks in Community tier nationally
51 in PA
View Community leaderboard (PA) →
New Tripoli 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
- - Credit Risk Growth: Bottom 43% in Community
- - Capital Thin: Bottom 45% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$664.0M
+4.5% YoY
-0.9% QoQ
|
-$727.5M |
$1.4B
+2.0% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
24% |
| Total Loans ? |
$511.4M
+6.4% YoY
-0.6% QoQ
|
-$464.1M |
$975.5M
+2.4% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
33% |
| Total Deposits ? |
$584.9M
+3.6% YoY
-1.2% QoQ
|
-$579.7M |
$1.2B
+1.7% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
26% |
| Return on Assets ? |
0.70%
+26.5% YoY
+2.5% QoQ
|
-0.46% |
1.16%
+17.2% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
20% |
| Net Interest Margin ? |
2.88%
+19.9% YoY
+3.1% QoQ
|
-0.78% |
3.66%
+9.1% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 13% in tier |
| Efficiency Ratio ? |
67.55%
-15.0% YoY
+1.9% QoQ
|
+4.92% |
62.63%
-5.3% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
33% |
| Delinquency Rate ? |
0.99%
+44.4% YoY
-4.3% QoQ
|
+0.36% |
0.63%
+18.3% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
87.43%
+2.6% YoY
+0.6% QoQ
|
+4.37% |
83.06%
+0.3% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
16.73%
+3.0% YoY
+4.7% QoQ
|
-4.32% |
21.05%
-0.9% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
33% |
| Nonperforming Asset Ratio ? |
0.76%
+47.0% YoY
-4.0% QoQ
|
+0.26% |
0.50%
+20.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
27% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.25%
-6.0% YoY
+35.8% QoQ
|
-0.49% |
0.74%
-1.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
17% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Credit Risk Growth
risk
#276 of 642 · Bottom 43% 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
Capital Thin
risk
#196 of 432 · Bottom 45% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 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
43
43th pctile
Loan-to-Deposit Ratio
Current: 87.43% · Tier avg: 83.06%
33
33th pctile
Efficiency Ratio
Current: 67.55% · Tier avg: 62.63%
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 16.73% · Tier avg: 21.05%
33
33th pctile
Total Loans
Current: $511.4M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.76% · Tier avg: 0.50%
26
26th pctile
Total Deposits
Current: $584.9M · Tier avg: $1.2B
26
26th pctile
Delinquency Rate
Current: 0.99% · Tier avg: 0.63%
24
24th pctile
Total Assets
Current: $664.0M · Tier avg: $1.4B
20
20th pctile
Return on Assets
Current: 0.70% · Tier avg: 1.16%
17
17th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.74%
13
13th pctile
Net Interest Margin
Current: 2.88% · Tier avg: 3.66%
Top Weaknesses
13
13th pctile
Net Interest Margin
Current: 2.88% · Tier avg: 3.66%
17
17th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.74%
20
20th pctile
Return on Assets
Current: 0.70% · Tier avg: 1.16%
24
24th pctile
Total Assets
Current: $664.0M · Tier avg: $1.4B
26
26th pctile
Delinquency Rate
Current: 0.99% · Tier avg: 0.63%
26
26th pctile
Total Deposits
Current: $584.9M · Tier avg: $1.2B
27
27th pctile
Nonperforming Asset Ratio
Current: 0.76% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
33
33th pctile
Total Loans
Current: $511.4M · Tier avg: $975.5M
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 16.73% · Tier avg: 21.05%
33
33th pctile
Efficiency Ratio
Current: 67.55% · Tier avg: 62.63%
43
43th pctile
Loan-to-Deposit Ratio
Current: 87.43% · Tier avg: 83.06%