BlastPoint's Banking Scorecard
Bank of India
Mid-Market
Specialty: Other
NY
FDIC cert 33648
New York, NY
201
banks in Mid-Market tier nationally
22 in NY
View Mid-Market leaderboard (NY) →
Bank of India has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.68% below tier
- + Nonperforming Asset Ratio 0.50% below tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 1% in Mid-Market
- - Liquidity Strain: Bottom 1% in Mid-Market
- - Deposit Outflow: Bottom 6% in Mid-Market
- - Return on Assets 1.16% below tier
- - Net Interest Margin 3.40% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$7.0B
-8.6% YoY
+3.8% QoQ
|
-$3.4B |
$10.5B
+2.9% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
35% |
| Total Loans ? |
$4.9B
-15.2% YoY
-0.3% QoQ
|
-$2.2B |
$7.1B
+4.5% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
37% |
| Total Deposits ? |
$5.4B
-14.5% YoY
-5.9% QoQ
|
-$3.1B |
$8.5B
+3.0% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
29% |
| Return on Assets ? | 0.00% | -1.16% |
1.16%
+9.4% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 6% in tier |
| Net Interest Margin ? | 0.00% | -3.40% |
3.40%
+7.9% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 3% in tier |
| Efficiency Ratio ? | 0.00% | -56.60% |
56.60%
-3.2% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
- |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.68% |
0.68%
+12.0% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
91.07%
-0.8% YoY
+6.0% QoQ
|
+5.60% |
85.47%
+1.1% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? | - | - |
20.64%
-0.3% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
- |
| Nonperforming Asset Ratio ? | 0.00% | -0.50% |
0.50%
+7.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -13.55% |
13.55%
+1.8% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
Bottom 1% in tier |
| Non-Interest Income / Assets ? | - | - |
0.96%
+7.1% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
- |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Mid-Market
Why this stands out
Current:
0.00%
(Tier avg: 0.68%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Mid-Market
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (5)
Capital Thin
risk
#1 of 51 · Bottom 1% in Mid-Market
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 13.55%, National: 9.75%)
51 of 51 Mid-Market banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#1 of 80 · Bottom 1% in Mid-Market
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
91.07%
(Tier: 85.47%, National: 78.04%)
80 of 80 Mid-Market banks match
·
609 nationally
→ Stable
-4 banks QoQ
Deposit Outflow
decline
#3 of 33 · Bottom 6% in Mid-Market
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
33 of 33 Mid-Market banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Return on Assets
metric
Bottom 6%
in Mid-Market
Why this stands out
Current:
0.00%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 3%
in Mid-Market
Why this stands out
Current:
0.00%
(Tier avg: 3.40%, National avg: 3.75%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.68%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
37
37th pctile
Total Loans
Current: $4.9B · Tier avg: $7.1B
35
35th pctile
Loan-to-Deposit Ratio
Current: 91.07% · Tier avg: 85.47%
35
35th pctile
Total Assets
Current: $7.0B · Tier avg: $10.5B
29
29th pctile
Total Deposits
Current: $5.4B · Tier avg: $8.5B
6
6th pctile
Return on Assets
Current: 0.00% · Tier avg: 1.16%
3
3th pctile
Net Interest Margin
Current: 0.00% · Tier avg: 3.40%
0
0th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 13.55%
Top Weaknesses
0
0th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 13.55%
3
3th pctile
Net Interest Margin
Current: 0.00% · Tier avg: 3.40%
6
6th pctile
Return on Assets
Current: 0.00% · Tier avg: 1.16%
29
29th pctile
Total Deposits
Current: $5.4B · Tier avg: $8.5B
35
35th pctile
Total Assets
Current: $7.0B · Tier avg: $10.5B
35
35th pctile
Loan-to-Deposit Ratio
Current: 91.07% · Tier avg: 85.47%
37
37th pctile
Total Loans
Current: $4.9B · Tier avg: $7.1B
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.68%