BlastPoint's Banking Scorecard
Northfield Bank
Mid-Market
Specialty: Commercial
NY
FDIC cert 28710
Designations: ✓ Community bank
Staten Island, NY
201
banks in Mid-Market tier nationally
22 in NY
View Mid-Market leaderboard (NY) →
Northfield Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 5% in Mid-Market
- - Capital Thin: Bottom 6% in Mid-Market
- - Efficiency Drag: Bottom 12% in Mid-Market
- - Return on Assets 1.11% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.8B
+1.6% YoY
+0.5% QoQ
|
-$4.7B |
$10.5B
+2.9% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 15% in tier |
| Total Loans ? |
$3.8B
-4.3% YoY
-1.2% QoQ
|
-$3.3B |
$7.1B
+4.5% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
Bottom 13% in tier |
| Total Deposits ? |
$4.0B
-3.2% YoY
+0.8% QoQ
|
-$4.5B |
$8.5B
+3.0% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 4% in tier |
| Return on Assets ? |
0.05%
-90.4% YoY
-92.4% QoQ
|
-1.11% |
1.16%
+9.4% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 7% in tier |
| Net Interest Margin ? |
2.61%
+20.0% YoY
+1.9% QoQ
|
-0.78% |
3.40%
+7.9% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
18% |
| Efficiency Ratio ? |
82.70%
+28.6% YoY
+41.4% QoQ
|
+26.09% |
56.60%
-3.2% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
Bottom 4% in tier |
| Delinquency Rate ? |
0.47%
-16.6% YoY
-13.7% QoQ
|
-0.21% |
0.68%
+12.0% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
94.32%
-1.1% YoY
-1.9% QoQ
|
+8.85% |
85.47%
+1.1% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
19.20%
+8.0% YoY
+3.7% QoQ
|
-1.44% |
20.64%
-0.3% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
38% |
| Nonperforming Asset Ratio ? |
0.31%
-21.5% YoY
-15.1% QoQ
|
-0.18% |
0.50%
+7.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
64% |
| Tier 1 Capital Ratio ? | 0.00% | -13.55% |
13.55%
+1.8% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
Bottom 1% in tier |
| Non-Interest Income / Assets ? |
0.29%
-0.9% YoY
+37.4% QoQ
|
-0.66% |
0.96%
+7.1% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
16% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Liquidity Strain
risk
#5 of 80 · Bottom 5% in Mid-Market
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
94.32%
(Tier: 85.47%, National: 78.04%)
80 of 80 Mid-Market banks match
·
609 nationally
→ Stable
-4 banks QoQ
Capital Thin
risk
#4 of 51 · Bottom 6% in Mid-Market
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 13.55%, National: 9.75%)
51 of 51 Mid-Market banks match
·
505 nationally
→ Stable
+11 banks QoQ
Efficiency Drag
risk
#2 of 9 · Bottom 12% in Mid-Market
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
82.70%
(Tier: 56.60%, National: 65.09%)
9 of 9 Mid-Market banks match
·
163 nationally
→ Stable
-9 banks QoQ
Return on Assets
metric
Bottom 7%
in Mid-Market
Why this stands out
Current:
0.05%
(Tier avg: 1.16%, National avg: 1.12%)
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
64
64th pctile
Nonperforming Asset Ratio
Current: 0.31% · Tier avg: 0.50%
60
60th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.68%
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 19.20% · Tier avg: 20.64%
25
25th pctile
Loan-to-Deposit Ratio
Current: 94.32% · Tier avg: 85.47%
18
18th pctile
Net Interest Margin
Current: 2.61% · Tier avg: 3.40%
16
16th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.96%
15
15th pctile
Total Assets
Current: $5.8B · Tier avg: $10.5B
13
13th pctile
Total Loans
Current: $3.8B · Tier avg: $7.1B
7
7th pctile
Return on Assets
Current: 0.05% · Tier avg: 1.16%
4
4th pctile
Total Deposits
Current: $4.0B · Tier avg: $8.5B
4
4th pctile
Efficiency Ratio
Current: 82.70% · Tier avg: 56.60%
0
0th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 13.55%
Top Weaknesses
0
0th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 13.55%
4
4th pctile
Efficiency Ratio
Current: 82.70% · Tier avg: 56.60%
4
4th pctile
Total Deposits
Current: $4.0B · Tier avg: $8.5B
7
7th pctile
Return on Assets
Current: 0.05% · Tier avg: 1.16%
13
13th pctile
Total Loans
Current: $3.8B · Tier avg: $7.1B
15
15th pctile
Total Assets
Current: $5.8B · Tier avg: $10.5B
16
16th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.96%
18
18th pctile
Net Interest Margin
Current: 2.61% · Tier avg: 3.40%
25
25th pctile
Loan-to-Deposit Ratio
Current: 94.32% · Tier avg: 85.47%
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 19.20% · Tier avg: 20.64%
60
60th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.68%
64
64th pctile
Nonperforming Asset Ratio
Current: 0.31% · Tier avg: 0.50%