BlastPoint's Banking Scorecard
Magyar Bank
Community
Specialty: Commercial
NJ
FDIC cert 30704
New Brunswick, NJ
1484
banks in Community tier nationally
27 in NJ
View Community leaderboard (NJ) →
Magyar Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 38% in Community
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+3.7% YoY
+4.8% QoQ
|
-$346.7M |
$1.4B
+2.0% YoY
|
$4.2B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
52% |
| Total Loans ? |
$867.7M
+8.8% YoY
+2.2% QoQ
|
-$107.8M |
$975.5M
+2.4% YoY
|
$3.1B
+3.2% YoY
|
$3.1B
+8.5% YoY
|
62% |
| Total Deposits ? |
$864.9M
+1.2% YoY
+5.6% QoQ
|
-$299.7M |
$1.2B
+1.7% YoY
|
$3.3B
+4.8% YoY
|
$4.7B
+6.3% YoY
|
51% |
| Return on Assets ? |
1.14%
+21.1% YoY
+4.7% QoQ
|
-0.02% |
1.16%
+17.2% YoY
|
0.71%
+43.1% YoY
|
1.12%
+15.6% YoY
|
51% |
| Net Interest Margin ? |
3.55%
+11.5% YoY
+1.1% QoQ
|
-0.12% |
3.66%
+9.1% YoY
|
3.05%
+6.0% YoY
|
3.75%
+7.1% YoY
|
44% |
| Efficiency Ratio ? |
55.25%
-10.4% YoY
-1.5% QoQ
|
-7.38% |
62.63%
-5.3% YoY
|
72.64%
-5.0% YoY
|
65.09%
-5.1% YoY
|
72% |
| Delinquency Rate ? |
0.04%
-2.1% YoY
-21.7% QoQ
|
-0.59% |
0.63%
+18.3% YoY
|
0.45%
-7.9% YoY
|
0.66%
+20.3% YoY
|
Top 11% in tier |
| Loan-to-Deposit Ratio ? |
100.32%
+7.5% YoY
-3.2% QoQ
|
+17.26% |
83.06%
+0.3% YoY
|
88.06%
-0.7% YoY
|
78.04%
+0.7% YoY
|
Top 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.12%
+7.1% YoY
+14.7% QoQ
|
-3.93% |
21.05%
-0.9% YoY
|
14.99%
+4.4% YoY
|
21.79%
-1.3% YoY
|
35% |
| Nonperforming Asset Ratio ? |
0.03%
-87.9% YoY
-86.8% QoQ
|
-0.46% |
0.50%
+20.3% YoY
|
0.33%
-21.6% YoY
|
0.48%
+20.8% YoY
|
Top 11% in tier |
| Tier 1 Capital Ratio ? |
14.70%
+0.9% YoY
+0.0% QoQ
|
+4.46% |
10.24%
-0.6% YoY
|
12.24%
-1.3% YoY
|
9.75%
-1.9% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.27%
-23.7% YoY
+22.4% QoQ
|
-0.47% |
0.74%
-1.3% YoY
|
0.52%
-18.3% YoY
|
0.65%
+0.6% YoY
|
19% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#140 of 371 · Top 38% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.04%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Concerns (0)
No concerns identified
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
Delinquency Rate
Current: 0.04% · Tier avg: 0.63%
89
89th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%
88
88th pctile
Loan-to-Deposit Ratio
Current: 100.32% · Tier avg: 83.06%
74
74th pctile
Tier 1 Capital Ratio
Current: 14.70% · Tier avg: 10.24%
72
72th pctile
Efficiency Ratio
Current: 55.25% · Tier avg: 62.63%
62
62th pctile
Total Loans
Current: $867.7M · Tier avg: $975.5M
52
52th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
51
51th pctile
Total Deposits
Current: $864.9M · Tier avg: $1.2B
51
51th pctile
Return on Assets
Current: 1.14% · Tier avg: 1.16%
44
44th pctile
Net Interest Margin
Current: 3.55% · Tier avg: 3.66%
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 17.12% · Tier avg: 21.05%
19
19th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.74%
Top Weaknesses
19
19th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.74%
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 17.12% · Tier avg: 21.05%
44
44th pctile
Net Interest Margin
Current: 3.55% · Tier avg: 3.66%
51
51th pctile
Return on Assets
Current: 1.14% · Tier avg: 1.16%
51
51th pctile
Total Deposits
Current: $864.9M · Tier avg: $1.2B
52
52th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
62
62th pctile
Total Loans
Current: $867.7M · Tier avg: $975.5M
72
72th pctile
Efficiency Ratio
Current: 55.25% · Tier avg: 62.63%
74
74th pctile
Tier 1 Capital Ratio
Current: 14.70% · Tier avg: 10.24%
88
88th pctile
Loan-to-Deposit Ratio
Current: 100.32% · Tier avg: 83.06%
89
89th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%
89
89th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.63%