BlastPoint's Banking Scorecard
NEXTIER BANK, NATIONAL ASSOCIATION
Community
Specialty: Commercial
PA
FDIC cert 7900
Kittanning, PA
1484
banks in Community tier nationally
51 in PA
View Community leaderboard (PA) →
NEXTIER BANK, NATIONAL ASSOCIATION 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
- - Credit Risk Growth: Bottom 29% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.9B
+1.7% YoY
+0.0% QoQ
|
+$1.5B |
$1.4B
+2.0% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
Top 10% in tier |
| Total Loans ? |
$2.2B
+4.0% YoY
+0.0% QoQ
|
+$1.2B |
$975.5M
+2.4% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
Top 9% in tier |
| Total Deposits ? |
$2.5B
+0.9% YoY
+0.2% QoQ
|
+$1.4B |
$1.2B
+1.7% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
Top 9% in tier |
| Return on Assets ? |
1.41%
+39.6% YoY
+1.9% QoQ
|
+0.24% |
1.16%
+17.2% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
69% |
| Net Interest Margin ? |
3.57%
+8.1% YoY
+1.0% QoQ
|
-0.09% |
3.66%
+9.1% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
45% |
| Efficiency Ratio ? |
48.32%
-11.2% YoY
+0.4% QoQ
|
-14.31% |
62.63%
-5.3% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
Top 13% in tier |
| Delinquency Rate ? |
1.26%
+32.5% YoY
-6.9% QoQ
|
+0.63% |
0.63%
+18.3% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
85.12%
+3.0% YoY
-0.2% QoQ
|
+2.06% |
83.06%
+0.3% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
19.82%
+0.2% YoY
-2.6% QoQ
|
-1.23% |
21.05%
-0.9% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
49% |
| Nonperforming Asset Ratio ? |
0.95%
+38.0% YoY
-5.2% QoQ
|
+0.45% |
0.50%
+20.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
21% |
| Tier 1 Capital Ratio ? |
11.40%
-1.2% YoY
-1.5% QoQ
|
+1.16% |
10.24%
-0.6% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
40% |
| Non-Interest Income / Assets ? |
0.34%
-10.5% YoY
+29.4% QoQ
|
-0.40% |
0.74%
-1.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
27% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Risk Growth
risk
#189 of 642 · Bottom 29% 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 declining
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
91
91th pctile
Total Deposits
Current: $2.5B · Tier avg: $1.2B
91
91th pctile
Total Loans
Current: $2.2B · Tier avg: $975.5M
90
90th pctile
Total Assets
Current: $2.9B · Tier avg: $1.4B
87
87th pctile
Efficiency Ratio
Current: 48.32% · Tier avg: 62.63%
69
69th pctile
Return on Assets
Current: 1.41% · Tier avg: 1.16%
51
51th pctile
Loan-to-Deposit Ratio
Current: 85.12% · Tier avg: 83.06%
49
49th pctile
Non-Interest-Bearing Deposit Share
Current: 19.82% · Tier avg: 21.05%
45
45th pctile
Net Interest Margin
Current: 3.57% · Tier avg: 3.66%
40
40th pctile
Tier 1 Capital Ratio
Current: 11.40% · Tier avg: 10.24%
27
27th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.74%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.95% · Tier avg: 0.50%
20
20th pctile
Delinquency Rate
Current: 1.26% · Tier avg: 0.63%
Top Weaknesses
20
20th pctile
Delinquency Rate
Current: 1.26% · Tier avg: 0.63%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.95% · Tier avg: 0.50%
27
27th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.74%
40
40th pctile
Tier 1 Capital Ratio
Current: 11.40% · Tier avg: 10.24%
45
45th pctile
Net Interest Margin
Current: 3.57% · Tier avg: 3.66%
49
49th pctile
Non-Interest-Bearing Deposit Share
Current: 19.82% · Tier avg: 21.05%
51
51th pctile
Loan-to-Deposit Ratio
Current: 85.12% · Tier avg: 83.06%
69
69th pctile
Return on Assets
Current: 1.41% · Tier avg: 1.16%
87
87th pctile
Efficiency Ratio
Current: 48.32% · Tier avg: 62.63%
90
90th pctile
Total Assets
Current: $2.9B · Tier avg: $1.4B
91
91th pctile
Total Loans
Current: $2.2B · Tier avg: $975.5M
91
91th pctile
Total Deposits
Current: $2.5B · Tier avg: $1.2B