BlastPoint's Banking Scorecard
Bank Hapoalim B.M.
Mid-Market
Specialty: Commercial
NY
FDIC cert 33686
New York, NY
201
banks in Mid-Market tier nationally
22 in NY
View Mid-Market leaderboard (NY) →
Bank Hapoalim B.M. has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 23.00% above tier
- + Nonperforming Asset Ratio 0.50% below tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 24% 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 ? |
$10.2B
+11.0% YoY
+6.3% QoQ
|
-$258.7M |
$10.5B
+2.9% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
67% |
| Total Loans ? |
$8.0B
+14.5% YoY
+7.0% QoQ
|
+$873.3M |
$7.1B
+4.5% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
72% |
| Total Deposits ? |
$7.4B
+6.8% YoY
+4.8% QoQ
|
-$1.2B |
$8.5B
+3.0% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
57% |
| 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 ? |
1.05%
+10.6% YoY
+24.2% QoQ
|
+0.37% |
0.68%
+12.0% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
108.47%
+7.2% YoY
+2.1% QoQ
|
+23.00% |
85.47%
+1.1% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Top 6% in tier |
| 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)
Loan-to-Deposit Ratio
metric
Top 6%
in Mid-Market
Why this stands out
Current:
108.47%
(Tier avg: 85.47%, National avg: 78.04%)
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 (3)
Capital Thin
risk
#13 of 51 · Bottom 24% 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 declining
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
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
94
94th pctile
Loan-to-Deposit Ratio
Current: 108.47% · Tier avg: 85.47%
72
72th pctile
Total Loans
Current: $8.0B · Tier avg: $7.1B
67
67th pctile
Total Assets
Current: $10.2B · Tier avg: $10.5B
57
57th pctile
Total Deposits
Current: $7.4B · Tier avg: $8.5B
22
22th pctile
Delinquency Rate
Current: 1.05% · Tier avg: 0.68%
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%
22
22th pctile
Delinquency Rate
Current: 1.05% · Tier avg: 0.68%
57
57th pctile
Total Deposits
Current: $7.4B · Tier avg: $8.5B
67
67th pctile
Total Assets
Current: $10.2B · Tier avg: $10.5B
72
72th pctile
Total Loans
Current: $8.0B · Tier avg: $7.1B
94
94th pctile
Loan-to-Deposit Ratio
Current: 108.47% · Tier avg: 85.47%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%