BlastPoint's Banking Scorecard
Sturdy Savings Bank
Community
Specialty: Commercial
NJ
FDIC cert 28788
Stone Harbor, NJ
1484
banks in Community tier nationally
27 in NJ
View Community leaderboard (NJ) →
Sturdy Savings Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 11% in Community
- - Loan-to-Deposit Ratio 21.51% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+0.2% YoY
-4.1% QoQ
|
-$268.2M |
$1.4B
+2.0% YoY
|
$4.2B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
56% |
| Total Loans ? |
$622.2M
+3.1% YoY
+0.5% QoQ
|
-$353.3M |
$975.5M
+2.4% YoY
|
$3.1B
+3.2% YoY
|
$3.1B
+8.5% YoY
|
43% |
| Total Deposits ? |
$1.0B
+1.4% YoY
-4.7% QoQ
|
-$153.8M |
$1.2B
+1.7% YoY
|
$3.3B
+4.8% YoY
|
$4.7B
+6.3% YoY
|
60% |
| Return on Assets ? |
0.53%
+70.8% YoY
+3.0% QoQ
|
-0.63% |
1.16%
+17.2% YoY
|
0.71%
+43.1% YoY
|
1.12%
+15.6% YoY
|
Bottom 12% in tier |
| Net Interest Margin ? |
3.21%
+19.4% YoY
+3.1% QoQ
|
-0.45% |
3.66%
+9.1% YoY
|
3.05%
+6.0% YoY
|
3.75%
+7.1% YoY
|
26% |
| Efficiency Ratio ? |
78.89%
-7.9% YoY
-2.4% QoQ
|
+16.26% |
62.63%
-5.3% YoY
|
72.64%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 12% in tier |
| Delinquency Rate ? |
0.06%
-81.8% YoY
-1.1% QoQ
|
-0.57% |
0.63%
+18.3% YoY
|
0.45%
-7.9% YoY
|
0.66%
+20.3% YoY
|
Top 13% in tier |
| Loan-to-Deposit Ratio ? |
61.55%
+1.7% YoY
+5.5% QoQ
|
-21.51% |
83.06%
+0.3% YoY
|
88.06%
-0.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.56%
+4.4% YoY
-9.9% QoQ
|
-0.49% |
21.05%
-0.9% YoY
|
14.99%
+4.4% YoY
|
21.79%
-1.3% YoY
|
53% |
| Nonperforming Asset Ratio ? |
0.03%
-81.2% YoY
+3.7% QoQ
|
-0.47% |
0.50%
+20.3% YoY
|
0.33%
-21.6% YoY
|
0.48%
+20.8% YoY
|
Top 11% in tier |
| Tier 1 Capital Ratio ? |
16.21%
+7.4% YoY
+0.9% QoQ
|
+5.97% |
10.24%
-0.6% YoY
|
12.24%
-1.3% YoY
|
9.75%
-1.9% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.42%
-16.2% YoY
+34.3% QoQ
|
-0.32% |
0.74%
-1.3% YoY
|
0.52%
-18.3% YoY
|
0.65%
+0.6% YoY
|
37% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Flatlined Growth
risk
#29 of 245 · Bottom 11% 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:
0.53%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Loan-to-Deposit Ratio
metric
Bottom 10%
in Community
Why this stands out
Current:
61.55%
(Tier avg: 83.06%, 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
89
89th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%
87
87th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.63%
84
84th pctile
Tier 1 Capital Ratio
Current: 16.21% · Tier avg: 10.24%
60
60th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
56
56th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 20.56% · Tier avg: 21.05%
43
43th pctile
Total Loans
Current: $622.2M · Tier avg: $975.5M
37
37th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.74%
26
26th pctile
Net Interest Margin
Current: 3.21% · Tier avg: 3.66%
12
12th pctile
Return on Assets
Current: 0.53% · Tier avg: 1.16%
12
12th pctile
Efficiency Ratio
Current: 78.89% · Tier avg: 62.63%
10
10th pctile
Loan-to-Deposit Ratio
Current: 61.55% · Tier avg: 83.06%
Top Weaknesses
10
10th pctile
Loan-to-Deposit Ratio
Current: 61.55% · Tier avg: 83.06%
12
12th pctile
Efficiency Ratio
Current: 78.89% · Tier avg: 62.63%
12
12th pctile
Return on Assets
Current: 0.53% · Tier avg: 1.16%
26
26th pctile
Net Interest Margin
Current: 3.21% · Tier avg: 3.66%
37
37th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.74%
43
43th pctile
Total Loans
Current: $622.2M · Tier avg: $975.5M
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 20.56% · Tier avg: 21.05%
56
56th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
60
60th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
84
84th pctile
Tier 1 Capital Ratio
Current: 16.21% · Tier avg: 10.24%
87
87th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.63%
89
89th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%