BlastPoint's Banking Scorecard
ConnectOne Bank
Mid-Market
Specialty: Commercial
NJ
FDIC cert 57919
Designations: ✓ Community bank
Englewood Cliffs, NJ
201
banks in Mid-Market tier nationally
7 in NJ
View Mid-Market leaderboard (NJ) →
ConnectOne Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.72% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$14.0B
+41.8% YoY
-0.1% QoQ
|
+$3.5B |
$10.5B
+2.9% YoY
|
$4.2B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
77% |
| Total Loans ? |
$11.3B
+37.9% YoY
+1.4% QoQ
|
+$4.2B |
$7.1B
+4.5% YoY
|
$3.1B
+3.2% YoY
|
$3.1B
+8.5% YoY
|
82% |
| Total Deposits ? |
$11.3B
+43.8% YoY
-1.1% QoQ
|
+$2.8B |
$8.5B
+3.0% YoY
|
$3.3B
+4.8% YoY
|
$4.7B
+6.3% YoY
|
79% |
| Return on Assets ? |
0.77%
-5.3% YoY
+38.0% QoQ
|
-0.40% |
1.16%
+9.4% YoY
|
0.71%
+43.1% YoY
|
1.12%
+15.6% YoY
|
23% |
| Net Interest Margin ? |
3.25%
+16.2% YoY
+3.7% QoQ
|
-0.14% |
3.40%
+7.9% YoY
|
3.05%
+6.0% YoY
|
3.75%
+7.1% YoY
|
38% |
| Efficiency Ratio ? |
54.90%
-1.6% YoY
-6.6% QoQ
|
-1.71% |
56.60%
-3.2% YoY
|
72.64%
-5.0% YoY
|
65.09%
-5.1% YoY
|
60% |
| Delinquency Rate ? |
0.56%
-19.8% YoY
+54.9% QoQ
|
-0.12% |
0.68%
+12.0% YoY
|
0.45%
-7.9% YoY
|
0.66%
+20.3% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
100.03%
-4.1% YoY
+2.5% QoQ
|
+14.55% |
85.47%
+1.1% YoY
|
88.06%
-0.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.92%
+18.1% YoY
-2.5% QoQ
|
+1.28% |
20.64%
-0.3% YoY
|
14.99%
+4.4% YoY
|
21.79%
-1.3% YoY
|
55% |
| Nonperforming Asset Ratio ? |
0.45%
-22.0% YoY
+57.2% QoQ
|
-0.05% |
0.50%
+7.3% YoY
|
0.33%
-21.6% YoY
|
0.48%
+20.8% YoY
|
46% |
| Tier 1 Capital Ratio ? |
12.36%
-2.2% YoY
-0.1% QoQ
|
-1.19% |
13.55%
+1.8% YoY
|
12.24%
-1.3% YoY
|
9.75%
-1.9% YoY
|
41% |
| Non-Interest Income / Assets ? |
0.24%
+44.8% YoY
+26.1% QoQ
|
-0.72% |
0.96%
+7.1% YoY
|
0.52%
-18.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 10% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 10%
in Mid-Market
Why this stands out
Current:
0.24%
(Tier avg: 0.96%, National avg: 0.65%)
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
82
82th pctile
Total Loans
Current: $11.3B · Tier avg: $7.1B
79
79th pctile
Total Deposits
Current: $11.3B · Tier avg: $8.5B
77
77th pctile
Total Assets
Current: $14.0B · Tier avg: $10.5B
60
60th pctile
Efficiency Ratio
Current: 54.90% · Tier avg: 56.60%
55
55th pctile
Non-Interest-Bearing Deposit Share
Current: 21.92% · Tier avg: 20.64%
51
51th pctile
Delinquency Rate
Current: 0.56% · Tier avg: 0.68%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.50%
41
41th pctile
Tier 1 Capital Ratio
Current: 12.36% · Tier avg: 13.55%
38
38th pctile
Net Interest Margin
Current: 3.25% · Tier avg: 3.40%
23
23th pctile
Return on Assets
Current: 0.77% · Tier avg: 1.16%
12
12th pctile
Loan-to-Deposit Ratio
Current: 100.03% · Tier avg: 85.47%
10
10th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.96%
Top Weaknesses
10
10th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.96%
12
12th pctile
Loan-to-Deposit Ratio
Current: 100.03% · Tier avg: 85.47%
23
23th pctile
Return on Assets
Current: 0.77% · Tier avg: 1.16%
38
38th pctile
Net Interest Margin
Current: 3.25% · Tier avg: 3.40%
41
41th pctile
Tier 1 Capital Ratio
Current: 12.36% · Tier avg: 13.55%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.50%
51
51th pctile
Delinquency Rate
Current: 0.56% · Tier avg: 0.68%
55
55th pctile
Non-Interest-Bearing Deposit Share
Current: 21.92% · Tier avg: 20.64%
60
60th pctile
Efficiency Ratio
Current: 54.90% · Tier avg: 56.60%
77
77th pctile
Total Assets
Current: $14.0B · Tier avg: $10.5B
79
79th pctile
Total Deposits
Current: $11.3B · Tier avg: $8.5B
82
82th pctile
Total Loans
Current: $11.3B · Tier avg: $7.1B