BlastPoint's Banking Scorecard
Quontic Bank
Community
Specialty: Mortgage
NY
FDIC cert 57807
Astoria, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
Quontic Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 32% in Community
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 68% in Community
- - Delinquency Rate 2.05% above tier
- - Non-Interest-Bearing Deposit Share 19.70% below tier
- - Nonperforming Asset Ratio 1.42% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$832.0M
+17.2% YoY
+16.1% QoQ
|
-$559.5M |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
38% |
| Total Loans ? |
$583.9M
+12.3% YoY
-0.2% QoQ
|
-$391.6M |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
40% |
| Total Deposits ? |
$739.6M
+20.3% YoY
+21.4% QoQ
|
-$425.0M |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
42% |
| Return on Assets ? |
0.56%
+62.0% YoY
+32.0% QoQ
|
-0.61% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 13% in tier |
| Net Interest Margin ? |
3.75%
+16.4% YoY
-4.1% QoQ
|
+0.09% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
57% |
| Efficiency Ratio ? |
86.11%
-7.0% YoY
-2.2% QoQ
|
+23.48% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
Bottom 5% in tier |
| Delinquency Rate ? |
2.67%
-38.9% YoY
-18.4% QoQ
|
+2.05% |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 5% in tier |
| Loan-to-Deposit Ratio ? |
78.94%
-6.7% YoY
-17.8% QoQ
|
-4.12% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
1.35%
-13.1% YoY
-30.3% QoQ
|
-19.70% |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 1% in tier |
| Nonperforming Asset Ratio ? |
1.92%
-40.0% YoY
-29.6% QoQ
|
+1.42% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 7% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
2.12%
-35.7% YoY
+26.4% QoQ
|
+1.38% |
0.74%
-1.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
Top 4% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#118 of 371 · Top 32% 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:
2.12%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
0.56%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Concerns (4)
Efficiency Drag
risk
#103 of 152 · Bottom 68% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
86.11%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Delinquency Rate
metric
Bottom 5%
in Community
Why this stands out
Current:
2.67%
(Tier avg: 0.63%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Bottom 1%
in Community
Why this stands out
Current:
1.35%
(Tier avg: 21.05%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 7%
in Community
Why this stands out
Current:
1.92%
(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
96
96th pctile
Non-Interest Income / Assets
Current: 2.12% · Tier avg: 0.74%
64
64th pctile
Loan-to-Deposit Ratio
Current: 78.94% · Tier avg: 83.06%
57
57th pctile
Net Interest Margin
Current: 3.75% · Tier avg: 3.66%
42
42th pctile
Total Deposits
Current: $739.6M · Tier avg: $1.2B
40
40th pctile
Total Loans
Current: $583.9M · Tier avg: $975.5M
38
38th pctile
Total Assets
Current: $832.0M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
13
13th pctile
Return on Assets
Current: 0.56% · Tier avg: 1.16%
7
7th pctile
Nonperforming Asset Ratio
Current: 1.92% · Tier avg: 0.50%
5
5th pctile
Delinquency Rate
Current: 2.67% · Tier avg: 0.63%
5
5th pctile
Efficiency Ratio
Current: 86.11% · Tier avg: 62.63%
1
1th pctile
Non-Interest-Bearing Deposit Share
Current: 1.35% · Tier avg: 21.05%
Top Weaknesses
1
1th pctile
Non-Interest-Bearing Deposit Share
Current: 1.35% · Tier avg: 21.05%
5
5th pctile
Efficiency Ratio
Current: 86.11% · Tier avg: 62.63%
5
5th pctile
Delinquency Rate
Current: 2.67% · Tier avg: 0.63%
7
7th pctile
Nonperforming Asset Ratio
Current: 1.92% · Tier avg: 0.50%
13
13th pctile
Return on Assets
Current: 0.56% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
38
38th pctile
Total Assets
Current: $832.0M · Tier avg: $1.4B
40
40th pctile
Total Loans
Current: $583.9M · Tier avg: $975.5M
42
42th pctile
Total Deposits
Current: $739.6M · Tier avg: $1.2B
57
57th pctile
Net Interest Margin
Current: 3.75% · Tier avg: 3.66%
64
64th pctile
Loan-to-Deposit Ratio
Current: 78.94% · Tier avg: 83.06%
96
96th pctile
Non-Interest Income / Assets
Current: 2.12% · Tier avg: 0.74%