BlastPoint's Banking Scorecard
Newfield National Bank
Community
Specialty: Commercial
NJ
FDIC cert 14646
Newfield, NJ
1484
banks in Community tier nationally
27 in NJ
View Community leaderboard (NJ) →
Newfield National Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.61% below tier
- + Loan-to-Deposit Ratio 26.89% below tier
- + Nonperforming Asset Ratio 0.49% below tier
- + Tier 1 Capital Ratio 8.70% above tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 21% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$891.4M
-0.3% YoY
-1.0% QoQ
|
-$500.1M |
$1.4B
+2.0% YoY
|
$4.2B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
42% |
| Total Loans ? |
$453.1M
+3.6% YoY
-0.2% QoQ
|
-$522.3M |
$975.5M
+2.4% YoY
|
$3.1B
+3.2% YoY
|
$3.1B
+8.5% YoY
|
23% |
| Total Deposits ? |
$806.7M
-3.5% YoY
-3.5% QoQ
|
-$357.9M |
$1.2B
+1.7% YoY
|
$3.3B
+4.8% YoY
|
$4.7B
+6.3% YoY
|
47% |
| Return on Assets ? |
0.81%
-8.3% YoY
+7.3% QoQ
|
-0.35% |
1.16%
+17.2% YoY
|
0.71%
+43.1% YoY
|
1.12%
+15.6% YoY
|
26% |
| Net Interest Margin ? |
3.25%
+0.8% YoY
+1.8% QoQ
|
-0.41% |
3.66%
+9.1% YoY
|
3.05%
+6.0% YoY
|
3.75%
+7.1% YoY
|
28% |
| Efficiency Ratio ? |
71.42%
+3.3% YoY
-1.5% QoQ
|
+8.79% |
62.63%
-5.3% YoY
|
72.64%
-5.0% YoY
|
65.09%
-5.1% YoY
|
24% |
| Delinquency Rate ? |
0.02%
-71.7% YoY
-2.7% QoQ
|
-0.61% |
0.63%
+18.3% YoY
|
0.45%
-7.9% YoY
|
0.66%
+20.3% YoY
|
Top 8% in tier |
| Loan-to-Deposit Ratio ? |
56.17%
+7.4% YoY
+3.4% QoQ
|
-26.89% |
83.06%
+0.3% YoY
|
88.06%
-0.7% YoY
|
78.04%
+0.7% YoY
|
Top 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.83%
+12.2% YoY
+2.1% QoQ
|
+6.79% |
21.05%
-0.9% YoY
|
14.99%
+4.4% YoY
|
21.79%
-1.3% YoY
|
79% |
| Nonperforming Asset Ratio ? |
0.01%
-70.6% YoY
-1.9% QoQ
|
-0.49% |
0.50%
+20.3% YoY
|
0.33%
-21.6% YoY
|
0.48%
+20.8% YoY
|
Top 7% in tier |
| Tier 1 Capital Ratio ? |
18.94%
+3.2% YoY
+2.7% QoQ
|
+8.70% |
10.24%
-0.6% YoY
|
12.24%
-1.3% YoY
|
9.75%
-1.9% YoY
|
Top 9% in tier |
| Non-Interest Income / Assets ? |
0.22%
-3.3% YoY
+37.9% QoQ
|
-0.52% |
0.74%
-1.3% YoY
|
0.52%
-18.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 14% in tier |
Signature Analysis
Strengths (4)
Delinquency Rate
metric
Top 8%
in Community
Why this stands out
Current:
0.02%
(Tier avg: 0.63%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 6%
in Community
Why this stands out
Current:
56.17%
(Tier avg: 83.06%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 7%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.50%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 9%
in Community
Why this stands out
Current:
18.94%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (1)
Flatlined Growth
risk
#53 of 245 · Bottom 21% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.81%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 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
94
94th pctile
Loan-to-Deposit Ratio
Current: 56.17% · Tier avg: 83.06%
93
93th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
92
92th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%
91
91th pctile
Tier 1 Capital Ratio
Current: 18.94% · Tier avg: 10.24%
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 27.83% · Tier avg: 21.05%
47
47th pctile
Total Deposits
Current: $806.7M · Tier avg: $1.2B
42
42th pctile
Total Assets
Current: $891.4M · Tier avg: $1.4B
28
28th pctile
Net Interest Margin
Current: 3.25% · Tier avg: 3.66%
26
26th pctile
Return on Assets
Current: 0.81% · Tier avg: 1.16%
24
24th pctile
Efficiency Ratio
Current: 71.42% · Tier avg: 62.63%
23
23th pctile
Total Loans
Current: $453.1M · Tier avg: $975.5M
14
14th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.74%
Top Weaknesses
14
14th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.74%
23
23th pctile
Total Loans
Current: $453.1M · Tier avg: $975.5M
24
24th pctile
Efficiency Ratio
Current: 71.42% · Tier avg: 62.63%
26
26th pctile
Return on Assets
Current: 0.81% · Tier avg: 1.16%
28
28th pctile
Net Interest Margin
Current: 3.25% · Tier avg: 3.66%
42
42th pctile
Total Assets
Current: $891.4M · Tier avg: $1.4B
47
47th pctile
Total Deposits
Current: $806.7M · Tier avg: $1.2B
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 27.83% · Tier avg: 21.05%
91
91th pctile
Tier 1 Capital Ratio
Current: 18.94% · Tier avg: 10.24%
92
92th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%
93
93th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
94
94th pctile
Loan-to-Deposit Ratio
Current: 56.17% · Tier avg: 83.06%