BlastPoint's Banking Scorecard
Crown Bank
Community
Specialty: Commercial
NJ
FDIC cert 34259
Elizabeth, NJ
1484
banks in Community tier nationally
27 in NJ
View Community leaderboard (NJ) →
Crown Bank has 5 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 5% in Community
- + Revenue Diversifier: Top 33% in Community
- + Net Interest Margin 1.76% above tier
- + Efficiency Ratio 25.90% below tier
- + Loan-to-Deposit Ratio 31.70% above tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 13% in Community
- - Liquidity Strain: Bottom 30% in Community
- - Delinquency Rate 7.57% above tier
- - Nonperforming Asset Ratio 7.15% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$629.0M
-0.5% YoY
-2.1% QoQ
|
-$762.5M |
$1.4B
+2.0% YoY
|
$4.2B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
18% |
| Total Loans ? |
$508.0M
-3.5% YoY
-0.4% QoQ
|
-$467.5M |
$975.5M
+2.4% YoY
|
$3.1B
+3.2% YoY
|
$3.1B
+8.5% YoY
|
32% |
| Total Deposits ? |
$442.6M
-0.5% YoY
-3.0% QoQ
|
-$722.0M |
$1.2B
+1.7% YoY
|
$3.3B
+4.8% YoY
|
$4.7B
+6.3% YoY
|
Bottom 4% in tier |
| Return on Assets ? |
3.44%
+19.0% YoY
-2.0% QoQ
|
+2.28% |
1.16%
+17.2% YoY
|
0.71%
+43.1% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
5.43%
+15.9% YoY
-4.0% QoQ
|
+1.76% |
3.66%
+9.1% YoY
|
3.05%
+6.0% YoY
|
3.75%
+7.1% YoY
|
Top 2% in tier |
| Efficiency Ratio ? |
36.73%
-10.9% YoY
+4.1% QoQ
|
-25.90% |
62.63%
-5.3% YoY
|
72.64%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Top 3% in tier |
| Delinquency Rate ? |
8.20%
-10.2% YoY
+1.2% QoQ
|
+7.57% |
0.63%
+18.3% YoY
|
0.45%
-7.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
114.76%
-3.1% YoY
+2.6% QoQ
|
+31.70% |
83.06%
+0.3% YoY
|
88.06%
-0.7% YoY
|
78.04%
+0.7% YoY
|
Top 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.87%
-1.6% YoY
+4.4% QoQ
|
+2.82% |
21.05%
-0.9% YoY
|
14.99%
+4.4% YoY
|
21.79%
-1.3% YoY
|
66% |
| Nonperforming Asset Ratio ? |
7.65%
-10.1% YoY
+2.8% QoQ
|
+7.15% |
0.50%
+20.3% YoY
|
0.33%
-21.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
12.24%
-1.3% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.91%
+41.7% YoY
+83.8% QoQ
|
+0.17% |
0.74%
-1.3% YoY
|
0.52%
-18.3% YoY
|
0.65%
+0.6% YoY
|
83% |
Signature Analysis
Strengths (5)
Profitability Leader
growth
#19 of 371 · Top 5% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
3.44%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Revenue Diversifier
growth
#123 of 371 · Top 33% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
0.91%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
3.44%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
Net Interest Margin
metric
Top 2%
in Community
Why this stands out
Current:
5.43%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Top 3%
in Community
Why this stands out
Current:
36.73%
(Tier avg: 62.63%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Top 2%
in Community
Why this stands out
Current:
114.76%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (4)
Capital Thin
risk
#55 of 432 · Bottom 13% in Community
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: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#154 of 513 · Bottom 30% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
114.76%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
8.20%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
7.65%
(Tier avg: 0.50%, National avg: 0.48%)
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
Return on Assets
Current: 3.44% · Tier avg: 1.16%
98
98th pctile
Loan-to-Deposit Ratio
Current: 114.76% · Tier avg: 83.06%
98
98th pctile
Net Interest Margin
Current: 5.43% · Tier avg: 3.66%
97
97th pctile
Efficiency Ratio
Current: 36.73% · Tier avg: 62.63%
83
83th pctile
Non-Interest Income / Assets
Current: 0.91% · Tier avg: 0.74%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 23.87% · Tier avg: 21.05%
32
32th pctile
Total Loans
Current: $508.0M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
18
18th pctile
Total Assets
Current: $629.0M · Tier avg: $1.4B
4
4th pctile
Total Deposits
Current: $442.6M · Tier avg: $1.2B
0
0th pctile
Delinquency Rate
Current: 8.20% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 7.65% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 7.65% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 8.20% · Tier avg: 0.63%
4
4th pctile
Total Deposits
Current: $442.6M · Tier avg: $1.2B
18
18th pctile
Total Assets
Current: $629.0M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
32
32th pctile
Total Loans
Current: $508.0M · Tier avg: $975.5M
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 23.87% · Tier avg: 21.05%
83
83th pctile
Non-Interest Income / Assets
Current: 0.91% · Tier avg: 0.74%
97
97th pctile
Efficiency Ratio
Current: 36.73% · Tier avg: 62.63%
98
98th pctile
Net Interest Margin
Current: 5.43% · Tier avg: 3.66%
98
98th pctile
Loan-to-Deposit Ratio
Current: 114.76% · Tier avg: 83.06%
99
99th pctile
Return on Assets
Current: 3.44% · Tier avg: 1.16%