BlastPoint's Banking Scorecard
Esquire Bank, National Association
Community
Specialty: Commercial
NY
FDIC cert 58140
Jericho, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
Esquire Bank, National Association shows strong momentum with 4 strengths and 25.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 26% in Community
- + Deposit Franchise: Top 36% in Community
- + Return on Assets 1.50% above tier
- + Efficiency Ratio 18.26% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.3B
+25.3% YoY
+8.3% QoQ
|
+$954.5M |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
84% |
| Total Loans ? |
$1.7B
+26.1% YoY
+13.6% QoQ
|
+$754.4M |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
Top 15% in tier |
| Total Deposits ? |
$2.1B
+25.4% YoY
+9.4% QoQ
|
+$910.5M |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
Top 14% in tier |
| Return on Assets ? |
2.66%
-3.3% YoY
-1.1% QoQ
|
+1.50% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Top 2% in tier |
| Net Interest Margin ? |
6.19%
+1.3% YoY
-0.3% QoQ
|
+2.52% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
44.37%
-0.7% YoY
-0.3% QoQ
|
-18.26% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
Top 8% in tier |
| Delinquency Rate ? |
0.50%
-37.8% YoY
-12.6% QoQ
|
-0.13% |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
83.36%
+0.6% YoY
+3.8% QoQ
|
+0.30% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
28.36%
-8.1% YoY
-13.6% QoQ
|
+7.32% |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.37%
-37.4% YoY
-8.4% QoQ
|
-0.13% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
49% |
| Tier 1 Capital Ratio ? |
14.18%
-3.4% YoY
-7.1% QoQ
|
+3.93% |
10.24%
-0.6% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
70% |
| Non-Interest Income / Assets ? |
1.03%
-21.6% YoY
+22.8% QoQ
|
+0.29% |
0.74%
-1.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
Top 13% in tier |
Signature Analysis
Strengths (4)
Revenue Diversifier
growth
#97 of 371 · Top 26% 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:
1.03%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
2.66%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Deposit Franchise
growth
#55 of 150 · Top 36% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
28.36%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
6.19%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank declining
Return on Assets
metric
Top 2%
in Community
Why this stands out
Current:
2.66%
(Tier avg: 1.16%, National avg: 1.12%)
Efficiency Ratio
metric
Top 8%
in Community
Why this stands out
Current:
44.37%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (0)
No concerns identified
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
Net Interest Margin
Current: 6.19% · Tier avg: 3.66%
98
98th pctile
Return on Assets
Current: 2.66% · Tier avg: 1.16%
92
92th pctile
Efficiency Ratio
Current: 44.37% · Tier avg: 62.63%
87
87th pctile
Non-Interest Income / Assets
Current: 1.03% · Tier avg: 0.74%
86
86th pctile
Total Deposits
Current: $2.1B · Tier avg: $1.2B
85
85th pctile
Total Loans
Current: $1.7B · Tier avg: $975.5M
84
84th pctile
Total Assets
Current: $2.3B · Tier avg: $1.4B
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 28.36% · Tier avg: 21.05%
70
70th pctile
Tier 1 Capital Ratio
Current: 14.18% · Tier avg: 10.24%
54
54th pctile
Loan-to-Deposit Ratio
Current: 83.36% · Tier avg: 83.06%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.50%
47
47th pctile
Delinquency Rate
Current: 0.50% · Tier avg: 0.63%
Top Weaknesses
47
47th pctile
Delinquency Rate
Current: 0.50% · Tier avg: 0.63%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.50%
54
54th pctile
Loan-to-Deposit Ratio
Current: 83.36% · Tier avg: 83.06%
70
70th pctile
Tier 1 Capital Ratio
Current: 14.18% · Tier avg: 10.24%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 28.36% · Tier avg: 21.05%
84
84th pctile
Total Assets
Current: $2.3B · Tier avg: $1.4B
85
85th pctile
Total Loans
Current: $1.7B · Tier avg: $975.5M
86
86th pctile
Total Deposits
Current: $2.1B · Tier avg: $1.2B
87
87th pctile
Non-Interest Income / Assets
Current: 1.03% · Tier avg: 0.74%
92
92th pctile
Efficiency Ratio
Current: 44.37% · Tier avg: 62.63%
98
98th pctile
Return on Assets
Current: 2.66% · Tier avg: 1.16%
99
99th pctile
Net Interest Margin
Current: 6.19% · Tier avg: 3.66%