BlastPoint's Banking Scorecard
The Turbotville National Bank
Micro
Specialty: Agricultural
PA
FDIC cert 7789
Designations: ✓ Community bank
Turbotville, PA
2498
banks in Micro tier nationally
44 in PA
View Micro leaderboard (PA) →
The Turbotville National Bank shows strong momentum with 1 strength and 9.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 23.52% 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 ? |
$222.9M
+9.7% YoY
+3.1% QoQ
|
+$5.4M |
$217.5M
+2.3% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
57% |
| Total Loans ? |
$170.3M
+15.2% YoY
+6.0% QoQ
|
+$31.2M |
$139.2M
+2.8% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
66% |
| Total Deposits ? |
$184.4M
+9.3% YoY
+3.6% QoQ
|
+$716K |
$183.7M
+1.8% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
56% |
| Return on Assets ? |
1.72%
+11.5% YoY
-2.9% QoQ
|
+0.63% |
1.08%
+14.7% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
83% |
| Net Interest Margin ? |
3.72%
+12.1% YoY
+4.7% QoQ
|
-0.13% |
3.85%
+6.6% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
45% |
| Efficiency Ratio ? |
44.21%
-1.2% YoY
+3.9% QoQ
|
-23.52% |
67.73%
-4.8% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
Top 4% in tier |
| Delinquency Rate ? |
1.10%
-17.2% YoY
-8.0% QoQ
|
+0.46% |
0.64%
+24.4% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
92.39%
+5.4% YoY
+2.4% QoQ
|
+17.86% |
74.53%
+0.5% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
14.53%
-5.7% YoY
-5.0% QoQ
|
-7.87% |
22.39%
-1.3% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
21% |
| Nonperforming Asset Ratio ? |
0.84%
-13.1% YoY
-5.4% QoQ
|
+0.39% |
0.45%
+25.1% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
24% |
| 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 ? |
0.19%
-11.5% YoY
+35.4% QoQ
|
-0.37% |
0.56%
+0.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
23% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
44.21%
(Tier avg: 67.73%, National avg: 65.09%)
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
96
96th pctile
Efficiency Ratio
Current: 44.21% · Tier avg: 67.73%
83
83th pctile
Return on Assets
Current: 1.72% · Tier avg: 1.08%
66
66th pctile
Total Loans
Current: $170.3M · Tier avg: $139.2M
57
57th pctile
Total Assets
Current: $222.9M · Tier avg: $217.5M
56
56th pctile
Total Deposits
Current: $184.4M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
45
45th pctile
Net Interest Margin
Current: 3.72% · Tier avg: 3.85%
26
26th pctile
Delinquency Rate
Current: 1.10% · Tier avg: 0.64%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.84% · Tier avg: 0.45%
23
23th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 14.53% · Tier avg: 22.39%
18
18th pctile
Loan-to-Deposit Ratio
Current: 92.39% · Tier avg: 74.53%
Top Weaknesses
18
18th pctile
Loan-to-Deposit Ratio
Current: 92.39% · Tier avg: 74.53%
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 14.53% · Tier avg: 22.39%
23
23th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.84% · Tier avg: 0.45%
26
26th pctile
Delinquency Rate
Current: 1.10% · Tier avg: 0.64%
45
45th pctile
Net Interest Margin
Current: 3.72% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
56
56th pctile
Total Deposits
Current: $184.4M · Tier avg: $183.7M
57
57th pctile
Total Assets
Current: $222.9M · Tier avg: $217.5M
66
66th pctile
Total Loans
Current: $170.3M · Tier avg: $139.2M
83
83th pctile
Return on Assets
Current: 1.72% · Tier avg: 1.08%
96
96th pctile
Efficiency Ratio
Current: 44.21% · Tier avg: 67.73%