BlastPoint's Banking Scorecard
Hana Bank USA, National Association
Community
Specialty: Commercial
NJ
FDIC cert 26790
Fort Lee, NJ
1484
banks in Community tier nationally
27 in NJ
View Community leaderboard (NJ) →
Hana Bank USA, National Association has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 13% in Community
- + Delinquency Rate 0.62% below tier
- + Nonperforming Asset Ratio 0.49% below tier
- + Tier 1 Capital Ratio 34.87% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 9% in Community
- - Non-Interest Income / Assets 0.63% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$799.7M
+38.2% YoY
+5.6% QoQ
|
-$591.8M |
$1.4B
+2.0% YoY
|
$4.2B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
35% |
| Total Loans ? |
$473.9M
+19.2% YoY
+2.1% QoQ
|
-$501.6M |
$975.5M
+2.4% YoY
|
$3.1B
+3.2% YoY
|
$3.1B
+8.5% YoY
|
26% |
| Total Deposits ? |
$564.4M
+23.1% YoY
-9.7% QoQ
|
-$600.2M |
$1.2B
+1.7% YoY
|
$3.3B
+4.8% YoY
|
$4.7B
+6.3% YoY
|
23% |
| Return on Assets ? |
1.60%
+146.7% YoY
-14.2% QoQ
|
+0.44% |
1.16%
+17.2% YoY
|
0.71%
+43.1% YoY
|
1.12%
+15.6% YoY
|
79% |
| Net Interest Margin ? |
2.83%
-10.1% YoY
+0.2% QoQ
|
-0.83% |
3.66%
+9.1% YoY
|
3.05%
+6.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 12% in tier |
| Efficiency Ratio ? |
67.77%
-16.2% YoY
-2.4% QoQ
|
+5.14% |
62.63%
-5.3% YoY
|
72.64%
-5.0% YoY
|
65.09%
-5.1% YoY
|
33% |
| Delinquency Rate ? |
0.01%
-63.1% YoY
-2.0% QoQ
|
-0.62% |
0.63%
+18.3% YoY
|
0.45%
-7.9% YoY
|
0.66%
+20.3% YoY
|
Top 6% in tier |
| Loan-to-Deposit Ratio ? |
83.97%
-3.1% YoY
+13.0% QoQ
|
+0.91% |
83.06%
+0.3% YoY
|
88.06%
-0.7% YoY
|
78.04%
+0.7% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
21.17%
-9.9% YoY
-11.7% QoQ
|
+0.12% |
21.05%
-0.9% YoY
|
14.99%
+4.4% YoY
|
21.79%
-1.3% YoY
|
55% |
| Nonperforming Asset Ratio ? |
0.01%
-68.2% YoY
-5.3% QoQ
|
-0.49% |
0.50%
+20.3% YoY
|
0.33%
-21.6% YoY
|
0.48%
+20.8% YoY
|
Top 5% in tier |
| Tier 1 Capital Ratio ? |
45.11%
+58.0% YoY
+86.8% QoQ
|
+34.87% |
10.24%
-0.6% YoY
|
12.24%
-1.3% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.11%
-33.2% YoY
+24.7% QoQ
|
-0.63% |
0.74%
-1.3% YoY
|
0.52%
-18.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 3% in tier |
Signature Analysis
Strengths (4)
Profitability Leader
growth
#48 of 371 · Top 13% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.60%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Delinquency Rate
metric
Top 6%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 5%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.50%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 1%
in Community
Why this stands out
Current:
45.11%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (2)
Liquidity Overhang
risk
#26 of 268 · Bottom 9% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
45.11%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
83.97%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Non-Interest Income / Assets
metric
Bottom 3%
in Community
Why this stands out
Current:
0.11%
(Tier avg: 0.74%, National avg: 0.65%)
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
100
100th pctile
Tier 1 Capital Ratio
Current: 45.11% · Tier avg: 10.24%
95
95th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
94
94th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.63%
79
79th pctile
Return on Assets
Current: 1.60% · Tier avg: 1.16%
55
55th pctile
Non-Interest-Bearing Deposit Share
Current: 21.17% · Tier avg: 21.05%
53
53th pctile
Loan-to-Deposit Ratio
Current: 83.97% · Tier avg: 83.06%
35
35th pctile
Total Assets
Current: $799.7M · Tier avg: $1.4B
33
33th pctile
Efficiency Ratio
Current: 67.77% · Tier avg: 62.63%
26
26th pctile
Total Loans
Current: $473.9M · Tier avg: $975.5M
23
23th pctile
Total Deposits
Current: $564.4M · Tier avg: $1.2B
12
12th pctile
Net Interest Margin
Current: 2.83% · Tier avg: 3.66%
3
3th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.74%
Top Weaknesses
3
3th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.74%
12
12th pctile
Net Interest Margin
Current: 2.83% · Tier avg: 3.66%
23
23th pctile
Total Deposits
Current: $564.4M · Tier avg: $1.2B
26
26th pctile
Total Loans
Current: $473.9M · Tier avg: $975.5M
33
33th pctile
Efficiency Ratio
Current: 67.77% · Tier avg: 62.63%
35
35th pctile
Total Assets
Current: $799.7M · Tier avg: $1.4B
53
53th pctile
Loan-to-Deposit Ratio
Current: 83.97% · Tier avg: 83.06%
55
55th pctile
Non-Interest-Bearing Deposit Share
Current: 21.17% · Tier avg: 21.05%
79
79th pctile
Return on Assets
Current: 1.60% · Tier avg: 1.16%
94
94th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.63%
95
95th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
100
100th pctile
Tier 1 Capital Ratio
Current: 45.11% · Tier avg: 10.24%