BlastPoint's Banking Scorecard

Manasquan Bank

Community Specialty: Commercial NJ FDIC cert 30470

Manasquan, NJ

1484 banks in Community tier nationally 27 in NJ

View Community leaderboard (NJ) →

Manasquan 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

- Liquidity Strain: Bottom 33% in Community
- Credit Risk Growth: Bottom 35% in Community

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Total Assets ?	$3.4B +8.1% YoY +1.0% QoQ	+$2.0B	$1.4B +2.0% YoY	$4.2B +3.8% YoY	$5.9B +6.5% YoY	Top 6% in tier
Total Loans ?	$2.8B +5.7% YoY +2.0% QoQ	+$1.9B	$975.5M +2.4% YoY	$3.1B +3.2% YoY	$3.1B +8.5% YoY	Top 3% in tier
Total Deposits ?	$3.0B +11.5% YoY +0.9% QoQ	+$1.8B	$1.2B +1.7% YoY	$3.3B +4.8% YoY	$4.7B +6.3% YoY	Top 5% in tier
Return on Assets ?	0.85% +45.7% YoY -0.8% QoQ	-0.32%	1.16% +17.2% YoY	0.71% +43.1% YoY	1.12% +15.6% YoY	28%
Net Interest Margin ?	3.06% +10.7% YoY +1.5% QoQ	-0.61%	3.66% +9.1% YoY	3.05% +6.0% YoY	3.75% +7.1% YoY	20%
Efficiency Ratio ?	61.73% -8.2% YoY -0.1% QoQ	-0.90%	62.63% -5.3% YoY	72.64% -5.0% YoY	65.09% -5.1% YoY	52%
Delinquency Rate ?	0.85% +43.5% YoY -0.9% QoQ	+0.23%	0.63% +18.3% YoY	0.45% -7.9% YoY	0.66% +20.3% YoY	30%
Loan-to-Deposit Ratio ?	95.19% -5.1% YoY +1.0% QoQ	+12.13%	83.06% +0.3% YoY	88.06% -0.7% YoY	78.04% +0.7% YoY	22%
Non-Interest-Bearing Deposit Share ?	17.77% -1.8% YoY -2.5% QoQ	-3.28%	21.05% -0.9% YoY	14.99% +4.4% YoY	21.79% -1.3% YoY	38%
Nonperforming Asset Ratio ?	0.71% +40.4% YoY +0.0% QoQ	+0.21%	0.50% +20.3% YoY	0.33% -21.6% YoY	0.48% +20.8% YoY	29%
Tier 1 Capital Ratio ?	10.86% +1.8% YoY -0.7% QoQ	+0.62%	10.24% -0.6% YoY	12.24% -1.3% YoY	9.75% -1.9% YoY	36%
Non-Interest Income / Assets ?	0.20% +26.1% YoY +34.8% QoQ	-0.54%	0.74% -1.3% YoY	0.52% -18.3% YoY	0.65% +0.6% YoY	Bottom 12% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (2)

Liquidity Strain

risk

#169 of 513 · Bottom 33% in Community

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 95.19%

(Tier: 83.06%, National: 78.04%)

worse than tier avg

513 of 513 Community banks match · 609 nationally

→ Stable -4 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#228 of 642 · Bottom 35% 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

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%

Compare against:

Comparing against 1484 peers in Community tier

Top Strengths

Total Loans

Current: $2.8B · Tier avg: $975.5M

97th pctile

Total Deposits

Current: $3.0B · Tier avg: $1.2B

95th pctile

Total Assets

Current: $3.4B · Tier avg: $1.4B

94th pctile

Efficiency Ratio

Current: 61.73% · Tier avg: 62.63%

52th pctile

Non-Interest-Bearing Deposit Share

Current: 17.77% · Tier avg: 21.05%

38th pctile

Tier 1 Capital Ratio

Current: 10.86% · Tier avg: 10.24%

36th pctile

Delinquency Rate

Current: 0.85% · Tier avg: 0.63%

30th pctile

Nonperforming Asset Ratio

Current: 0.71% · Tier avg: 0.50%

29th pctile

Return on Assets

Current: 0.85% · Tier avg: 1.16%

28th pctile

Loan-to-Deposit Ratio

Current: 95.19% · Tier avg: 83.06%

22th pctile

Net Interest Margin

Current: 3.06% · Tier avg: 3.66%

20th pctile

Non-Interest Income / Assets

Current: 0.20% · Tier avg: 0.74%

12th pctile

Top Weaknesses