BlastPoint's Banking Scorecard
Cross County Savings Bank
Community
Specialty: Mortgage
NY
FDIC cert 30260
Designations: ✓ Mutual
Middle Village, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
Cross County Savings Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 10.15% above tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 5% in Community
- - Liquidity Overhang: Bottom 26% in Community
- - Efficiency Drag: Bottom 41% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$529.9M
-1.2% YoY
+1.1% QoQ
|
-$861.5M |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 5% in tier |
| Total Loans ? |
$400.0M
-2.0% YoY
+1.3% QoQ
|
-$575.5M |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
Bottom 15% in tier |
| Total Deposits ? |
$452.2M
-2.0% YoY
+1.1% QoQ
|
-$712.4M |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 5% in tier |
| Return on Assets ? |
0.53%
+37.2% YoY
-1.1% QoQ
|
-0.63% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 12% in tier |
| Net Interest Margin ? |
3.81%
+1.2% YoY
+0.3% QoQ
|
+0.15% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
60% |
| Efficiency Ratio ? |
82.90%
-4.2% YoY
-0.1% QoQ
|
+20.27% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
Bottom 8% in tier |
| Delinquency Rate ? |
1.08%
+52.6% YoY
+27.3% QoQ
|
+0.45% |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
88.45%
-0.0% YoY
+0.2% QoQ
|
+5.39% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
19.10%
+5.0% YoY
+4.4% QoQ
|
-1.94% |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
45% |
| Nonperforming Asset Ratio ? |
0.82%
+51.4% YoY
+27.6% QoQ
|
+0.32% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
25% |
| Tier 1 Capital Ratio ? |
20.40%
+6.2% YoY
+0.2% QoQ
|
+10.15% |
10.24%
-0.6% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
Top 6% in tier |
| Non-Interest Income / Assets ? |
0.32%
+47.5% YoY
+21.9% QoQ
|
-0.42% |
0.74%
-1.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
26% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 6%
in Community
Why this stands out
Current:
20.40%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (3)
Flatlined Growth
risk
#12 of 245 · Bottom 5% 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
Liquidity Overhang
risk
#71 of 268 · Bottom 26% 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:
20.40%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
88.45%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Efficiency Drag
risk
#63 of 152 · Bottom 41% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
82.90%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
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
94
94th pctile
Tier 1 Capital Ratio
Current: 20.40% · Tier avg: 10.24%
60
60th pctile
Net Interest Margin
Current: 3.81% · Tier avg: 3.66%
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 19.10% · Tier avg: 21.05%
40
40th pctile
Loan-to-Deposit Ratio
Current: 88.45% · Tier avg: 83.06%
26
26th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.74%
25
25th pctile
Nonperforming Asset Ratio
Current: 0.82% · Tier avg: 0.50%
24
24th pctile
Delinquency Rate
Current: 1.08% · Tier avg: 0.63%
15
15th pctile
Total Loans
Current: $400.0M · Tier avg: $975.5M
12
12th pctile
Return on Assets
Current: 0.53% · Tier avg: 1.16%
8
8th pctile
Efficiency Ratio
Current: 82.90% · Tier avg: 62.63%
5
5th pctile
Total Deposits
Current: $452.2M · Tier avg: $1.2B
5
5th pctile
Total Assets
Current: $529.9M · Tier avg: $1.4B
Top Weaknesses
5
5th pctile
Total Assets
Current: $529.9M · Tier avg: $1.4B
5
5th pctile
Total Deposits
Current: $452.2M · Tier avg: $1.2B
8
8th pctile
Efficiency Ratio
Current: 82.90% · Tier avg: 62.63%
12
12th pctile
Return on Assets
Current: 0.53% · Tier avg: 1.16%
15
15th pctile
Total Loans
Current: $400.0M · Tier avg: $975.5M
24
24th pctile
Delinquency Rate
Current: 1.08% · Tier avg: 0.63%
25
25th pctile
Nonperforming Asset Ratio
Current: 0.82% · Tier avg: 0.50%
26
26th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.74%
40
40th pctile
Loan-to-Deposit Ratio
Current: 88.45% · Tier avg: 83.06%
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 19.10% · Tier avg: 21.05%
60
60th pctile
Net Interest Margin
Current: 3.81% · Tier avg: 3.66%
94
94th pctile
Tier 1 Capital Ratio
Current: 20.40% · Tier avg: 10.24%