BlastPoint's Banking Scorecard
Ascendia Bank
Micro
Specialty: Commercial
NJ
FDIC cert 28729
Designations: ✓ Community bank ✓ Mutual
Glen Rock, NJ
2498
banks in Micro tier nationally
14 in NJ
View Micro leaderboard (NJ) →
Ascendia 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
- - Return on Assets 1.25% below tier
- - Net Interest Margin 1.58% below tier
- - Efficiency Ratio 35.64% above tier
- - Loan-to-Deposit Ratio 29.49% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$378.1M
-3.6% YoY
-3.0% QoQ
|
+$160.6M |
$217.5M
+2.3% YoY
|
$4.2B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
Top 15% in tier |
| Total Loans ? |
$308.2M
-3.7% YoY
-0.8% QoQ
|
+$169.0M |
$139.2M
+2.8% YoY
|
$3.1B
+3.2% YoY
|
$3.1B
+8.5% YoY
|
Top 7% in tier |
| Total Deposits ? |
$296.3M
+2.4% YoY
-3.5% QoQ
|
+$112.6M |
$183.7M
+1.8% YoY
|
$3.3B
+4.8% YoY
|
$4.7B
+6.3% YoY
|
81% |
| Return on Assets ? |
-0.17%
-8.7% YoY
+34.1% QoQ
|
-1.25% |
1.08%
+14.7% YoY
|
0.71%
+43.1% YoY
|
1.12%
+15.6% YoY
|
Bottom 5% in tier |
| Net Interest Margin ? |
2.28%
+13.3% YoY
+4.1% QoQ
|
-1.58% |
3.85%
+6.6% YoY
|
3.05%
+6.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 3% in tier |
| Efficiency Ratio ? |
103.37%
-10.1% YoY
-2.7% QoQ
|
+35.64% |
67.73%
-4.8% YoY
|
72.64%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 4% in tier |
| Delinquency Rate ? |
0.06%
-74.9% YoY
-53.3% QoQ
|
-0.58% |
0.64%
+24.4% YoY
|
0.45%
-7.9% YoY
|
0.66%
+20.3% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
104.01%
-6.0% YoY
+2.7% QoQ
|
+29.49% |
74.53%
+0.5% YoY
|
88.06%
-0.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.84%
-2.1% YoY
+9.4% QoQ
|
-12.55% |
22.39%
-1.3% YoY
|
14.99%
+4.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 11% in tier |
| Nonperforming Asset Ratio ? |
0.05%
-74.9% YoY
-52.3% QoQ
|
-0.41% |
0.45%
+25.1% YoY
|
0.33%
-21.6% YoY
|
0.48%
+20.8% YoY
|
74% |
| Tier 1 Capital Ratio ? |
14.57%
+8.8% YoY
+8.3% QoQ
|
+5.72% |
8.85%
-3.4% YoY
|
12.24%
-1.3% YoY
|
9.75%
-1.9% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.18%
+2.0% YoY
+33.2% QoQ
|
-0.38% |
0.56%
+0.3% YoY
|
0.52%
-18.3% YoY
|
0.65%
+0.6% YoY
|
21% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Return on Assets
metric
Bottom 5%
in Micro
Why this stands out
Current:
-0.17%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 3%
in Micro
Why this stands out
Current:
2.28%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
103.37%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
104.01%
(Tier avg: 74.53%, National avg: 78.04%)
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
93
93th pctile
Total Loans
Current: $308.2M · Tier avg: $139.2M
85
85th pctile
Total Assets
Current: $378.1M · Tier avg: $217.5M
81
81th pctile
Total Deposits
Current: $296.3M · Tier avg: $183.7M
74
74th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.64%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.57% · Tier avg: 8.85%
21
21th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.56%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 9.84% · Tier avg: 22.39%
6
6th pctile
Loan-to-Deposit Ratio
Current: 104.01% · Tier avg: 74.53%
5
5th pctile
Return on Assets
Current: -0.17% · Tier avg: 1.08%
4
4th pctile
Efficiency Ratio
Current: 103.37% · Tier avg: 67.73%
3
3th pctile
Net Interest Margin
Current: 2.28% · Tier avg: 3.85%
Top Weaknesses
3
3th pctile
Net Interest Margin
Current: 2.28% · Tier avg: 3.85%
4
4th pctile
Efficiency Ratio
Current: 103.37% · Tier avg: 67.73%
5
5th pctile
Return on Assets
Current: -0.17% · Tier avg: 1.08%
6
6th pctile
Loan-to-Deposit Ratio
Current: 104.01% · Tier avg: 74.53%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 9.84% · Tier avg: 22.39%
21
21th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.56%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.57% · Tier avg: 8.85%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
74
74th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.64%
81
81th pctile
Total Deposits
Current: $296.3M · Tier avg: $183.7M
85
85th pctile
Total Assets
Current: $378.1M · Tier avg: $217.5M
93
93th pctile
Total Loans
Current: $308.2M · Tier avg: $139.2M