BlastPoint's Banking Scorecard
Abacus Federal Savings Bank
Micro
Specialty: Mortgage
NY
FDIC cert 32257
Designations: ✓ Community bank
New York, NY
2498
banks in Micro tier nationally
37 in NY
View Micro leaderboard (NY) →
Abacus Federal Savings Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 23.59% above tier
Key Concerns
Areas that may need attention
- - Efficiency Ratio 21.11% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$316.1M
-1.1% YoY
-4.1% QoQ
|
+$98.6M |
$217.5M
+2.3% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
75% |
| Total Loans ? |
$250.7M
-1.9% YoY
+2.0% QoQ
|
+$111.5M |
$139.2M
+2.8% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
85% |
| Total Deposits ? |
$254.3M
-1.4% YoY
-4.8% QoQ
|
+$70.7M |
$183.7M
+1.8% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
72% |
| Return on Assets ? |
0.36%
-42.3% YoY
-14.0% QoQ
|
-0.72% |
1.08%
+14.7% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 14% in tier |
| Net Interest Margin ? |
4.43%
-1.3% YoY
+1.1% QoQ
|
+0.57% |
3.85%
+6.6% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
77% |
| Efficiency Ratio ? |
88.83%
+8.1% YoY
+1.4% QoQ
|
+21.11% |
67.73%
-4.8% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
Bottom 10% in tier |
| Delinquency Rate ? |
0.47%
-31.6% YoY
-38.4% QoQ
|
-0.17% |
0.64%
+24.4% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
98.57%
-0.5% YoY
+7.1% QoQ
|
+24.04% |
74.53%
+0.5% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Top 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
35.62%
+8.1% YoY
+4.6% QoQ
|
+13.22% |
22.39%
-1.3% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
Top 11% in tier |
| Nonperforming Asset Ratio ? |
0.43%
-28.8% YoY
-30.9% QoQ
|
-0.02% |
0.45%
+25.1% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
41% |
| Tier 1 Capital Ratio ? |
32.44%
+5.3% YoY
-2.9% QoQ
|
+23.59% |
8.85%
-3.4% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
Top 3% in tier |
| Non-Interest Income / Assets ? |
0.50%
-13.8% YoY
+52.1% QoQ
|
-0.06% |
0.56%
+0.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
69% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
32.44%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Efficiency Ratio
metric
Bottom 10%
in Micro
Why this stands out
Current:
88.83%
(Tier avg: 67.73%, National avg: 65.09%)
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
97
97th pctile
Tier 1 Capital Ratio
Current: 32.44% · Tier avg: 8.85%
89
89th pctile
Loan-to-Deposit Ratio
Current: 98.57% · Tier avg: 74.53%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 35.62% · Tier avg: 22.39%
85
85th pctile
Total Loans
Current: $250.7M · Tier avg: $139.2M
77
77th pctile
Net Interest Margin
Current: 4.43% · Tier avg: 3.85%
75
75th pctile
Total Assets
Current: $316.1M · Tier avg: $217.5M
72
72th pctile
Total Deposits
Current: $254.3M · Tier avg: $183.7M
69
69th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.56%
47
47th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.64%
41
41th pctile
Nonperforming Asset Ratio
Current: 0.43% · Tier avg: 0.45%
14
14th pctile
Return on Assets
Current: 0.36% · Tier avg: 1.08%
10
10th pctile
Efficiency Ratio
Current: 88.83% · Tier avg: 67.73%
Top Weaknesses
10
10th pctile
Efficiency Ratio
Current: 88.83% · Tier avg: 67.73%
14
14th pctile
Return on Assets
Current: 0.36% · Tier avg: 1.08%
41
41th pctile
Nonperforming Asset Ratio
Current: 0.43% · Tier avg: 0.45%
47
47th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.64%
69
69th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.56%
72
72th pctile
Total Deposits
Current: $254.3M · Tier avg: $183.7M
75
75th pctile
Total Assets
Current: $316.1M · Tier avg: $217.5M
77
77th pctile
Net Interest Margin
Current: 4.43% · Tier avg: 3.85%
85
85th pctile
Total Loans
Current: $250.7M · Tier avg: $139.2M
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 35.62% · Tier avg: 22.39%
89
89th pctile
Loan-to-Deposit Ratio
Current: 98.57% · Tier avg: 74.53%
97
97th pctile
Tier 1 Capital Ratio
Current: 32.44% · Tier avg: 8.85%