BlastPoint's Banking Scorecard
Lusitania Savings Bank
Micro
Specialty: Mortgage
NJ
FDIC cert 34058
Designations: ✓ Community bank
Newark, NJ
2498
banks in Micro tier nationally
14 in NJ
View Micro leaderboard (NJ) →
Lusitania Savings Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 26.28% above tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.56% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$403.7M
+5.8% YoY
+2.2% QoQ
|
+$186.2M |
$217.5M
+2.3% YoY
|
$4.2B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
Top 11% in tier |
| Total Loans ? |
$223.0M
-1.3% YoY
-2.1% QoQ
|
+$83.8M |
$139.2M
+2.8% YoY
|
$3.1B
+3.2% YoY
|
$3.1B
+8.5% YoY
|
79% |
| Total Deposits ? |
$340.1M
+6.0% YoY
+2.5% QoQ
|
+$156.5M |
$183.7M
+1.8% YoY
|
$3.3B
+4.8% YoY
|
$4.7B
+6.3% YoY
|
Top 12% in tier |
| Return on Assets ? |
0.37%
+73.1% YoY
-11.6% QoQ
|
-0.72% |
1.08%
+14.7% YoY
|
0.71%
+43.1% YoY
|
1.12%
+15.6% YoY
|
Bottom 14% in tier |
| Net Interest Margin ? |
2.30%
+18.5% YoY
+0.6% QoQ
|
-1.56% |
3.85%
+6.6% YoY
|
3.05%
+6.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 4% in tier |
| Efficiency Ratio ? |
77.40%
-8.4% YoY
+4.2% QoQ
|
+9.68% |
67.73%
-4.8% YoY
|
72.64%
-5.0% YoY
|
65.09%
-5.1% YoY
|
24% |
| Delinquency Rate ? |
0.19%
-55.0% YoY
-0.9% QoQ
|
-0.45% |
0.64%
+24.4% YoY
|
0.45%
-7.9% YoY
|
0.66%
+20.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
65.57%
-6.8% YoY
-4.5% QoQ
|
-8.96% |
74.53%
+0.5% YoY
|
88.06%
-0.7% YoY
|
78.04%
+0.7% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
15.62%
-3.6% YoY
-9.4% QoQ
|
-6.77% |
22.39%
-1.3% YoY
|
14.99%
+4.4% YoY
|
21.79%
-1.3% YoY
|
25% |
| Nonperforming Asset Ratio ? |
0.11%
-58.1% YoY
-5.1% QoQ
|
-0.35% |
0.45%
+25.1% YoY
|
0.33%
-21.6% YoY
|
0.48%
+20.8% YoY
|
67% |
| Tier 1 Capital Ratio ? |
35.13%
+7.1% YoY
+3.7% QoQ
|
+26.28% |
8.85%
-3.4% YoY
|
12.24%
-1.3% YoY
|
9.75%
-1.9% YoY
|
Top 2% in tier |
| Non-Interest Income / Assets ? |
0.14%
-5.2% YoY
+30.7% QoQ
|
-0.42% |
0.56%
+0.3% YoY
|
0.52%
-18.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 14% in tier |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
35.13%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Net Interest Margin
metric
Bottom 4%
in Micro
Why this stands out
Current:
2.30%
(Tier avg: 3.85%, 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
98
98th pctile
Tier 1 Capital Ratio
Current: 35.13% · Tier avg: 8.85%
89
89th pctile
Total Assets
Current: $403.7M · Tier avg: $217.5M
88
88th pctile
Total Deposits
Current: $340.1M · Tier avg: $183.7M
79
79th pctile
Total Loans
Current: $223.0M · Tier avg: $139.2M
68
68th pctile
Loan-to-Deposit Ratio
Current: 65.57% · Tier avg: 74.53%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
62
62th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.64%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 15.62% · Tier avg: 22.39%
24
24th pctile
Efficiency Ratio
Current: 77.40% · Tier avg: 67.73%
14
14th pctile
Return on Assets
Current: 0.37% · Tier avg: 1.08%
14
14th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
4
4th pctile
Net Interest Margin
Current: 2.30% · Tier avg: 3.85%
Top Weaknesses
4
4th pctile
Net Interest Margin
Current: 2.30% · Tier avg: 3.85%
14
14th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
14
14th pctile
Return on Assets
Current: 0.37% · Tier avg: 1.08%
24
24th pctile
Efficiency Ratio
Current: 77.40% · Tier avg: 67.73%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 15.62% · Tier avg: 22.39%
62
62th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.64%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
68
68th pctile
Loan-to-Deposit Ratio
Current: 65.57% · Tier avg: 74.53%
79
79th pctile
Total Loans
Current: $223.0M · Tier avg: $139.2M
88
88th pctile
Total Deposits
Current: $340.1M · Tier avg: $183.7M
89
89th pctile
Total Assets
Current: $403.7M · Tier avg: $217.5M
98
98th pctile
Tier 1 Capital Ratio
Current: 35.13% · Tier avg: 8.85%