BlastPoint's Banking Scorecard
Community Bank
Community
Specialty: Commercial
PA
FDIC cert 7848
Carmichaels, PA
1484
banks in Community tier nationally
51 in PA
View Community leaderboard (PA) →
Community 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 41% in Community
- - Return on Assets 0.80% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
+4.6% YoY
+0.2% QoQ
|
+$155.8M |
$1.4B
+2.0% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
71% |
| Total Loans ? |
$1.2B
+6.3% YoY
+1.7% QoQ
|
+$176.7M |
$975.5M
+2.4% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
73% |
| Total Deposits ? |
$1.3B
+3.9% YoY
+0.3% QoQ
|
+$183.5M |
$1.2B
+1.7% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
73% |
| Return on Assets ? |
0.36%
-57.9% YoY
+573.9% QoQ
|
-0.80% |
1.16%
+17.2% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 7% in tier |
| Net Interest Margin ? |
3.62%
+10.0% YoY
+2.5% QoQ
|
-0.04% |
3.66%
+9.1% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
48% |
| Efficiency Ratio ? |
67.16%
+1.0% YoY
-2.3% QoQ
|
+4.53% |
62.63%
-5.3% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
35% |
| Delinquency Rate ? |
0.46%
+179.2% YoY
+139.5% QoQ
|
-0.17% |
0.63%
+18.3% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
85.46%
+2.3% YoY
+1.3% QoQ
|
+2.40% |
83.06%
+0.3% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
22.26%
+2.4% YoY
-0.6% QoQ
|
+1.21% |
21.05%
-0.9% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
60% |
| Nonperforming Asset Ratio ? |
0.34%
+183.8% YoY
+126.7% QoQ
|
-0.16% |
0.50%
+20.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
50% |
| Tier 1 Capital Ratio ? |
13.92%
-5.8% YoY
-1.9% QoQ
|
+3.68% |
10.24%
-0.6% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.28%
-20.2% YoY
+59.2% QoQ
|
-0.46% |
0.74%
-1.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
21% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Credit Risk Growth
risk
#265 of 642 · Bottom 41% 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
Return on Assets
metric
Bottom 7%
in Community
Why this stands out
Current:
0.36%
(Tier avg: 1.16%, National avg: 1.12%)
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
73
73th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
73
73th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
71
71th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
67
67th pctile
Tier 1 Capital Ratio
Current: 13.92% · Tier avg: 10.24%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 22.26% · Tier avg: 21.05%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.34% · Tier avg: 0.50%
49
49th pctile
Delinquency Rate
Current: 0.46% · Tier avg: 0.63%
48
48th pctile
Net Interest Margin
Current: 3.62% · Tier avg: 3.66%
48
48th pctile
Loan-to-Deposit Ratio
Current: 85.46% · Tier avg: 83.06%
35
35th pctile
Efficiency Ratio
Current: 67.16% · Tier avg: 62.63%
21
21th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.74%
7
7th pctile
Return on Assets
Current: 0.36% · Tier avg: 1.16%
Top Weaknesses
7
7th pctile
Return on Assets
Current: 0.36% · Tier avg: 1.16%
21
21th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.74%
35
35th pctile
Efficiency Ratio
Current: 67.16% · Tier avg: 62.63%
48
48th pctile
Loan-to-Deposit Ratio
Current: 85.46% · Tier avg: 83.06%
48
48th pctile
Net Interest Margin
Current: 3.62% · Tier avg: 3.66%
49
49th pctile
Delinquency Rate
Current: 0.46% · Tier avg: 0.63%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.34% · Tier avg: 0.50%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 22.26% · Tier avg: 21.05%
67
67th pctile
Tier 1 Capital Ratio
Current: 13.92% · Tier avg: 10.24%
71
71th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
73
73th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
73
73th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M