BlastPoint's Banking Scorecard
Safra National Bank of New York
Mid-Market
Specialty: Other
NY
FDIC cert 26876
New York, NY
201
banks in Mid-Market tier nationally
22 in NY
View Mid-Market leaderboard (NY) →
Safra National Bank of New York has 5 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.68% below tier
- + Loan-to-Deposit Ratio 55.04% below tier
- + Nonperforming Asset Ratio 0.50% below tier
- + Tier 1 Capital Ratio 8.78% above tier
- + Non-Interest Income / Assets 0.61% above tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 22% in Mid-Market
- - Net Interest Margin 1.28% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$12.5B
+10.3% YoY
+0.5% QoQ
|
+$2.0B |
$10.5B
+2.9% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
73% |
| Total Loans ? |
$3.3B
+6.9% YoY
+1.9% QoQ
|
-$3.9B |
$7.1B
+4.5% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
Bottom 8% in tier |
| Total Deposits ? |
$10.8B
+13.7% YoY
+1.8% QoQ
|
+$2.2B |
$8.5B
+3.0% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
76% |
| Return on Assets ? |
0.92%
-17.2% YoY
+3.5% QoQ
|
-0.24% |
1.16%
+9.4% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
33% |
| Net Interest Margin ? |
2.12%
-14.4% YoY
+0.3% QoQ
|
-1.28% |
3.40%
+7.9% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 9% in tier |
| Efficiency Ratio ? |
64.01%
+7.9% YoY
+0.6% QoQ
|
+7.41% |
56.60%
-3.2% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
25% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.68% |
0.68%
+12.0% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
30.43%
-6.0% YoY
+0.1% QoQ
|
-55.04% |
85.47%
+1.1% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.07%
+7.8% YoY
+9.0% QoQ
|
+2.43% |
20.64%
-0.3% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
59% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.50% |
0.50%
+7.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
22.33%
-6.0% YoY
-6.8% QoQ
|
+8.78% |
13.55%
+1.8% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
Top 3% in tier |
| Non-Interest Income / Assets ? |
1.56%
+2.5% YoY
+45.2% QoQ
|
+0.61% |
0.96%
+7.1% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
Top 10% in tier |
Signature Analysis
Strengths (5)
Delinquency Rate
metric
Top 1%
in Mid-Market
Why this stands out
Current:
0.00%
(Tier avg: 0.68%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 1%
in Mid-Market
Why this stands out
Current:
30.43%
(Tier avg: 85.47%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Mid-Market
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 3%
in Mid-Market
Why this stands out
Current:
22.33%
(Tier avg: 13.55%, National avg: 9.75%)
Non-Interest Income / Assets
metric
Top 10%
in Mid-Market
Why this stands out
Current:
1.56%
(Tier avg: 0.96%, National avg: 0.65%)
Concerns (2)
Margin Compression
decline
#5 of 19 · Bottom 22% in Mid-Market
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
0.92%
(Tier: 1.16%, National: 1.12%)
19 of 19 Mid-Market banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Net Interest Margin
metric
Bottom 9%
in Mid-Market
Why this stands out
Current:
2.12%
(Tier avg: 3.40%, 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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.68%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
99
99th pctile
Loan-to-Deposit Ratio
Current: 30.43% · Tier avg: 85.47%
97
97th pctile
Tier 1 Capital Ratio
Current: 22.33% · Tier avg: 13.55%
90
90th pctile
Non-Interest Income / Assets
Current: 1.56% · Tier avg: 0.96%
76
76th pctile
Total Deposits
Current: $10.8B · Tier avg: $8.5B
73
73th pctile
Total Assets
Current: $12.5B · Tier avg: $10.5B
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 23.07% · Tier avg: 20.64%
33
33th pctile
Return on Assets
Current: 0.92% · Tier avg: 1.16%
25
25th pctile
Efficiency Ratio
Current: 64.01% · Tier avg: 56.60%
9
9th pctile
Net Interest Margin
Current: 2.12% · Tier avg: 3.40%
8
8th pctile
Total Loans
Current: $3.3B · Tier avg: $7.1B
Top Weaknesses
8
8th pctile
Total Loans
Current: $3.3B · Tier avg: $7.1B
9
9th pctile
Net Interest Margin
Current: 2.12% · Tier avg: 3.40%
25
25th pctile
Efficiency Ratio
Current: 64.01% · Tier avg: 56.60%
33
33th pctile
Return on Assets
Current: 0.92% · Tier avg: 1.16%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 23.07% · Tier avg: 20.64%
73
73th pctile
Total Assets
Current: $12.5B · Tier avg: $10.5B
76
76th pctile
Total Deposits
Current: $10.8B · Tier avg: $8.5B
90
90th pctile
Non-Interest Income / Assets
Current: 1.56% · Tier avg: 0.96%
97
97th pctile
Tier 1 Capital Ratio
Current: 22.33% · Tier avg: 13.55%
99
99th pctile
Loan-to-Deposit Ratio
Current: 30.43% · Tier avg: 85.47%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.68%