BlastPoint's Banking Scorecard
Ponce Bank, National Association
Community
Specialty: Commercial
NY
FDIC cert 31189
Bronx, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
Ponce Bank, National Association has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 43.18% above tier
- + Tier 1 Capital Ratio 10.29% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 7% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.2B
+6.2% YoY
+2.2% QoQ
|
+$1.8B |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
Top 7% in tier |
| Total Loans ? |
$2.6B
+13.3% YoY
+4.3% QoQ
|
+$1.6B |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
Top 5% in tier |
| Total Deposits ? |
$2.1B
+8.0% YoY
-0.7% QoQ
|
+$897.1M |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
Top 14% in tier |
| Return on Assets ? |
1.01%
+96.7% YoY
+13.0% QoQ
|
-0.16% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
39% |
| Net Interest Margin ? |
3.35%
+20.0% YoY
+3.3% QoQ
|
-0.31% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
33% |
| Efficiency Ratio ? |
58.14%
-23.3% YoY
-4.7% QoQ
|
-4.49% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
63% |
| Delinquency Rate ? |
1.03%
-13.2% YoY
-7.5% QoQ
|
+0.41% |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
126.24%
+4.9% YoY
+5.0% QoQ
|
+43.18% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.84%
+10.7% YoY
+9.3% QoQ
|
-10.20% |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 12% in tier |
| Nonperforming Asset Ratio ? |
0.84%
-7.4% YoY
-5.6% QoQ
|
+0.34% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
24% |
| Tier 1 Capital Ratio ? |
20.53%
+0.7% YoY
-0.6% QoQ
|
+10.29% |
10.24%
-0.6% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
Top 6% in tier |
| Non-Interest Income / Assets ? |
0.30%
+29.1% YoY
+42.0% QoQ
|
-0.44% |
0.74%
-1.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
23% |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 1%
in Community
Why this stands out
Current:
126.24%
(Tier avg: 83.06%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 6%
in Community
Why this stands out
Current:
20.53%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (1)
Liquidity Overhang
risk
#19 of 268 · Bottom 7% 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:
20.53%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
126.24%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
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
99
99th pctile
Loan-to-Deposit Ratio
Current: 126.24% · Tier avg: 83.06%
95
95th pctile
Total Loans
Current: $2.6B · Tier avg: $975.5M
94
94th pctile
Tier 1 Capital Ratio
Current: 20.53% · Tier avg: 10.24%
93
93th pctile
Total Assets
Current: $3.2B · Tier avg: $1.4B
86
86th pctile
Total Deposits
Current: $2.1B · Tier avg: $1.2B
63
63th pctile
Efficiency Ratio
Current: 58.14% · Tier avg: 62.63%
39
39th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.16%
33
33th pctile
Net Interest Margin
Current: 3.35% · Tier avg: 3.66%
25
25th pctile
Delinquency Rate
Current: 1.03% · Tier avg: 0.63%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.84% · Tier avg: 0.50%
23
23th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.74%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 10.84% · Tier avg: 21.05%
Top Weaknesses
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 10.84% · Tier avg: 21.05%
23
23th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.74%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.84% · Tier avg: 0.50%
25
25th pctile
Delinquency Rate
Current: 1.03% · Tier avg: 0.63%
33
33th pctile
Net Interest Margin
Current: 3.35% · Tier avg: 3.66%
39
39th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.16%
63
63th pctile
Efficiency Ratio
Current: 58.14% · Tier avg: 62.63%
86
86th pctile
Total Deposits
Current: $2.1B · Tier avg: $1.2B
93
93th pctile
Total Assets
Current: $3.2B · Tier avg: $1.4B
94
94th pctile
Tier 1 Capital Ratio
Current: 20.53% · Tier avg: 10.24%
95
95th pctile
Total Loans
Current: $2.6B · Tier avg: $975.5M
99
99th pctile
Loan-to-Deposit Ratio
Current: 126.24% · Tier avg: 83.06%