BlastPoint's Banking Scorecard
Blue Foundry Bank
Community
Specialty: Commercial
NJ
FDIC cert 30052
Rutherford, NJ
1484
banks in Community tier nationally
27 in NJ
View Community leaderboard (NJ) →
Blue Foundry Bank faces 7 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 Overhang: Bottom 11% in Community
- - NIB Deposit Bleed: Bottom 26% in Community
- - Credit Risk Growth: Bottom 49% in Community
- - Return on Assets 1.46% below tier
- - Net Interest Margin 1.32% below tier
- - Efficiency Ratio 45.28% above tier
- - Non-Interest Income / Assets 0.67% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.2B
+5.1% YoY
+0.5% QoQ
|
+$771.0M |
$1.4B
+2.0% YoY
|
$4.2B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
82% |
| Total Loans ? |
$1.7B
+6.7% YoY
-1.5% QoQ
|
+$700.7M |
$975.5M
+2.4% YoY
|
$3.1B
+3.2% YoY
|
$3.1B
+8.5% YoY
|
84% |
| Total Deposits ? |
$1.5B
+10.5% YoY
+0.9% QoQ
|
+$371.7M |
$1.2B
+1.7% YoY
|
$3.3B
+4.8% YoY
|
$4.7B
+6.3% YoY
|
77% |
| Return on Assets ? |
-0.29%
+35.1% YoY
+0.1% QoQ
|
-1.46% |
1.16%
+17.2% YoY
|
0.71%
+43.1% YoY
|
1.12%
+15.6% YoY
|
Bottom 2% in tier |
| Net Interest Margin ? |
2.34%
+20.7% YoY
+2.2% QoQ
|
-1.32% |
3.66%
+9.1% YoY
|
3.05%
+6.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 4% in tier |
| Efficiency Ratio ? |
107.91%
-14.6% YoY
-1.0% QoQ
|
+45.28% |
62.63%
-5.3% YoY
|
72.64%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
0.68%
+108.8% YoY
+1.4% QoQ
|
+0.05% |
0.63%
+18.3% YoY
|
0.45%
-7.9% YoY
|
0.66%
+20.3% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
109.10%
-3.4% YoY
-2.4% QoQ
|
+26.04% |
83.06%
+0.3% YoY
|
88.06%
-0.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
3.57%
-38.3% YoY
-3.2% QoQ
|
-17.48% |
21.05%
-0.9% YoY
|
14.99%
+4.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
0.53%
+112.0% YoY
-0.6% QoQ
|
+0.03% |
0.50%
+20.3% YoY
|
0.33%
-21.6% YoY
|
0.48%
+20.8% YoY
|
37% |
| Tier 1 Capital Ratio ? |
17.93%
-6.9% YoY
+1.7% QoQ
|
+7.69% |
10.24%
-0.6% YoY
|
12.24%
-1.3% YoY
|
9.75%
-1.9% YoY
|
Top 11% in tier |
| Non-Interest Income / Assets ? |
0.07%
-10.9% YoY
+36.3% QoQ
|
-0.67% |
0.74%
-1.3% YoY
|
0.52%
-18.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 2% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (7)
Liquidity Overhang
risk
#31 of 268 · Bottom 11% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
17.93%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
109.10%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
NIB Deposit Bleed
decline
#24 of 89 · Bottom 26% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
3.57%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#313 of 642 · Bottom 49% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 2%
in Community
Why this stands out
Current:
-0.29%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 4%
in Community
Why this stands out
Current:
2.34%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
107.91%
(Tier avg: 62.63%, National avg: 65.09%)
Non-Interest Income / Assets
metric
Bottom 2%
in Community
Why this stands out
Current:
0.07%
(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
89
89th pctile
Tier 1 Capital Ratio
Current: 17.93% · Tier avg: 10.24%
84
84th pctile
Total Loans
Current: $1.7B · Tier avg: $975.5M
82
82th pctile
Total Assets
Current: $2.2B · Tier avg: $1.4B
77
77th pctile
Total Deposits
Current: $1.5B · Tier avg: $1.2B
37
37th pctile
Nonperforming Asset Ratio
Current: 0.53% · Tier avg: 0.50%
37
37th pctile
Delinquency Rate
Current: 0.68% · Tier avg: 0.63%
4
4th pctile
Loan-to-Deposit Ratio
Current: 109.10% · Tier avg: 83.06%
4
4th pctile
Net Interest Margin
Current: 2.34% · Tier avg: 3.66%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 3.57% · Tier avg: 21.05%
2
2th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.74%
2
2th pctile
Return on Assets
Current: -0.29% · Tier avg: 1.16%
1
1th pctile
Efficiency Ratio
Current: 107.91% · Tier avg: 62.63%
Top Weaknesses
1
1th pctile
Efficiency Ratio
Current: 107.91% · Tier avg: 62.63%
2
2th pctile
Return on Assets
Current: -0.29% · Tier avg: 1.16%
2
2th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.74%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 3.57% · Tier avg: 21.05%
4
4th pctile
Net Interest Margin
Current: 2.34% · Tier avg: 3.66%
4
4th pctile
Loan-to-Deposit Ratio
Current: 109.10% · Tier avg: 83.06%
37
37th pctile
Delinquency Rate
Current: 0.68% · Tier avg: 0.63%
37
37th pctile
Nonperforming Asset Ratio
Current: 0.53% · Tier avg: 0.50%
77
77th pctile
Total Deposits
Current: $1.5B · Tier avg: $1.2B
82
82th pctile
Total Assets
Current: $2.2B · Tier avg: $1.4B
84
84th pctile
Total Loans
Current: $1.7B · Tier avg: $975.5M
89
89th pctile
Tier 1 Capital Ratio
Current: 17.93% · Tier avg: 10.24%