BlastPoint's Banking Scorecard
First United National Bank
Micro
Specialty: Mortgage
PA
FDIC cert 7886
Designations: ✓ Community bank
Fryburg, PA
2498
banks in Micro tier nationally
44 in PA
View Micro leaderboard (PA) →
First United National Bank faces 1 concern 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 1.12% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$367.5M
+4.1% YoY
+0.9% QoQ
|
+$150.0M |
$217.5M
+2.3% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
83% |
| Total Loans ? |
$200.3M
+3.5% YoY
-0.9% QoQ
|
+$61.1M |
$139.2M
+2.8% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
74% |
| Total Deposits ? |
$345.0M
+2.2% YoY
+0.7% QoQ
|
+$161.4M |
$183.7M
+1.8% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
Top 11% in tier |
| Return on Assets ? |
0.51%
+126.7% YoY
+4.7% QoQ
|
-0.58% |
1.08%
+14.7% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
19% |
| Net Interest Margin ? |
2.74%
+19.0% YoY
+2.5% QoQ
|
-1.12% |
3.85%
+6.6% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 9% in tier |
| Efficiency Ratio ? |
77.97%
-12.8% YoY
-1.0% QoQ
|
+10.25% |
67.73%
-4.8% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
23% |
| Delinquency Rate ? |
0.82%
-2.9% YoY
-6.8% QoQ
|
+0.18% |
0.64%
+24.4% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
58.04%
+1.2% YoY
-1.6% QoQ
|
-16.49% |
74.53%
+0.5% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
30.01%
-5.4% YoY
-1.2% QoQ
|
+7.62% |
22.39%
-1.3% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
79% |
| Nonperforming Asset Ratio ? |
0.45%
-3.4% YoY
-8.4% QoQ
|
-0.01% |
0.45%
+25.1% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
40% |
| Tier 1 Capital Ratio ? |
16.52%
+3.8% YoY
+1.4% QoQ
|
+7.67% |
8.85%
-3.4% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.42%
+19.5% YoY
+31.2% QoQ
|
-0.14% |
0.56%
+0.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
59% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Net Interest Margin
metric
Bottom 9%
in Micro
Why this stands out
Current:
2.74%
(Tier avg: 3.85%, National avg: 3.75%)
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
89
89th pctile
Total Deposits
Current: $345.0M · Tier avg: $183.7M
83
83th pctile
Total Assets
Current: $367.5M · Tier avg: $217.5M
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 30.01% · Tier avg: 22.39%
79
79th pctile
Loan-to-Deposit Ratio
Current: 58.04% · Tier avg: 74.53%
78
78th pctile
Tier 1 Capital Ratio
Current: 16.52% · Tier avg: 8.85%
74
74th pctile
Total Loans
Current: $200.3M · Tier avg: $139.2M
59
59th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.45%
34
34th pctile
Delinquency Rate
Current: 0.82% · Tier avg: 0.64%
23
23th pctile
Efficiency Ratio
Current: 77.97% · Tier avg: 67.73%
19
19th pctile
Return on Assets
Current: 0.51% · Tier avg: 1.08%
9
9th pctile
Net Interest Margin
Current: 2.74% · Tier avg: 3.85%
Top Weaknesses
9
9th pctile
Net Interest Margin
Current: 2.74% · Tier avg: 3.85%
19
19th pctile
Return on Assets
Current: 0.51% · Tier avg: 1.08%
23
23th pctile
Efficiency Ratio
Current: 77.97% · Tier avg: 67.73%
34
34th pctile
Delinquency Rate
Current: 0.82% · Tier avg: 0.64%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.45%
59
59th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
74
74th pctile
Total Loans
Current: $200.3M · Tier avg: $139.2M
78
78th pctile
Tier 1 Capital Ratio
Current: 16.52% · Tier avg: 8.85%
79
79th pctile
Loan-to-Deposit Ratio
Current: 58.04% · Tier avg: 74.53%
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 30.01% · Tier avg: 22.39%
83
83th pctile
Total Assets
Current: $367.5M · Tier avg: $217.5M
89
89th pctile
Total Deposits
Current: $345.0M · Tier avg: $183.7M