BlastPoint's Banking Scorecard
NorthEast Community Bank
Community
Specialty: Commercial
NY
FDIC cert 29147
White Plains, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
NorthEast Community Bank has 5 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.12% above tier
- + Net Interest Margin 1.58% above tier
- + Efficiency Ratio 23.84% below tier
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% below tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 34% in Community
- - Capital Constraint: Bottom 93% in Community
- - Non-Interest Income / Assets 0.57% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.1B
+3.3% YoY
+0.4% QoQ
|
+$667.4M |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
80% |
| Total Loans ? |
$1.9B
+3.3% YoY
-0.7% QoQ
|
+$877.0M |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
Top 13% in tier |
| Total Deposits ? |
$1.6B
-3.1% YoY
+6.3% QoQ
|
+$458.4M |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
79% |
| Return on Assets ? |
2.28%
-9.4% YoY
-1.4% QoQ
|
+1.12% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Top 5% in tier |
| Net Interest Margin ? |
5.25%
-6.6% YoY
-0.4% QoQ
|
+1.58% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
Top 4% in tier |
| Efficiency Ratio ? |
38.79%
+10.3% YoY
+1.1% QoQ
|
-23.84% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
Top 4% in tier |
| Delinquency Rate ? | 0.00% | -0.63% |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
114.14%
+6.7% YoY
-6.6% QoQ
|
+31.08% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.13%
-1.9% YoY
-12.4% QoQ
|
-3.91% |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
35% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.50% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
15.36%
+12.9% YoY
+3.6% QoQ
|
+5.12% |
10.24%
-0.6% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
79% |
| Non-Interest Income / Assets ? |
0.17%
+17.7% YoY
+35.5% QoQ
|
-0.57% |
0.74%
-1.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 9% in tier |
Signature Analysis
Strengths (5)
Return on Assets
metric
Top 5%
in Community
Why this stands out
Current:
2.28%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Top 4%
in Community
Why this stands out
Current:
5.25%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Top 4%
in Community
Why this stands out
Current:
38.79%
(Tier avg: 62.63%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (3)
Deposit Outflow
decline
#84 of 248 · Bottom 34% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank improving
Capital Constraint
risk
#44 of 47 · Bottom 93% in Community
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
114.14%
(Tier: 83.06%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
15.36%
(Tier: 10.24%, National: 9.75%)
47 of 47 Community banks match
·
57 nationally
→ Stable
-1 banks QoQ
Non-Interest Income / Assets
metric
Bottom 9%
in Community
Why this stands out
Current:
0.17%
(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
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
96
96th pctile
Net Interest Margin
Current: 5.25% · Tier avg: 3.66%
96
96th pctile
Efficiency Ratio
Current: 38.79% · Tier avg: 62.63%
95
95th pctile
Return on Assets
Current: 2.28% · Tier avg: 1.16%
87
87th pctile
Total Loans
Current: $1.9B · Tier avg: $975.5M
80
80th pctile
Total Assets
Current: $2.1B · Tier avg: $1.4B
79
79th pctile
Tier 1 Capital Ratio
Current: 15.36% · Tier avg: 10.24%
79
79th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 17.13% · Tier avg: 21.05%
9
9th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.74%
2
2th pctile
Loan-to-Deposit Ratio
Current: 114.14% · Tier avg: 83.06%
Top Weaknesses
2
2th pctile
Loan-to-Deposit Ratio
Current: 114.14% · Tier avg: 83.06%
9
9th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.74%
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 17.13% · Tier avg: 21.05%
79
79th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
79
79th pctile
Tier 1 Capital Ratio
Current: 15.36% · Tier avg: 10.24%
80
80th pctile
Total Assets
Current: $2.1B · Tier avg: $1.4B
87
87th pctile
Total Loans
Current: $1.9B · Tier avg: $975.5M
95
95th pctile
Return on Assets
Current: 2.28% · Tier avg: 1.16%
96
96th pctile
Efficiency Ratio
Current: 38.79% · Tier avg: 62.63%
96
96th pctile
Net Interest Margin
Current: 5.25% · Tier avg: 3.66%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%