BlastPoint's Banking Scorecard
NewBank
Community
Specialty: Commercial
NY
FDIC cert 58203
Flushing, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
NewBank faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 4% in Community
- - Deposit Outflow: Bottom 11% in Community
- - Margin Compression: Bottom 25% in Community
- - Cost Spiral: Bottom 54% in Community
- - Delinquency Rate 2.54% above tier
- - Nonperforming Asset Ratio 1.60% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$637.1M
-3.5% YoY
+0.1% QoQ
|
-$754.3M |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
19% |
| Total Loans ? |
$422.4M
+12.3% YoY
+1.6% QoQ
|
-$553.1M |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
18% |
| Total Deposits ? |
$533.4M
-5.2% YoY
+0.1% QoQ
|
-$631.2M |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
18% |
| Return on Assets ? |
1.32%
-8.1% YoY
-8.1% QoQ
|
+0.15% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
64% |
| Net Interest Margin ? |
4.34%
-5.5% YoY
-0.8% QoQ
|
+0.67% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
82% |
| Efficiency Ratio ? |
56.62%
+17.6% YoY
+1.5% QoQ
|
-6.01% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
68% |
| Delinquency Rate ? |
3.17%
+97.7% YoY
+79.7% QoQ
|
+2.54% |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
79.18%
+18.4% YoY
+1.5% QoQ
|
-3.88% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
25.71%
-3.6% YoY
+0.3% QoQ
|
+4.67% |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
71% |
| Nonperforming Asset Ratio ? |
2.10%
+130.0% YoY
+82.4% QoQ
|
+1.60% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 5% 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 ? |
0.51%
-11.2% YoY
+33.4% QoQ
|
-0.23% |
0.74%
-1.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (6)
Capital Thin
risk
#17 of 432 · Bottom 4% 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
Deposit Outflow
decline
#27 of 248 · Bottom 11% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank improving
Margin Compression
decline
#31 of 120 · Bottom 25% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.32%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
Cost Spiral
risk
#22 of 40 · Bottom 54% in Community
Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Why this signature
Efficiency Ratio:
56.62%
(Tier: 62.63%, National: 65.09%)
40 of 40 Community banks match
·
50 nationally
↓ Shrinking
-10 banks QoQ
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
3.17%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 5%
in Community
Why this stands out
Current:
2.10%
(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
82
82th pctile
Net Interest Margin
Current: 4.34% · Tier avg: 3.66%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 25.71% · Tier avg: 21.05%
68
68th pctile
Efficiency Ratio
Current: 56.62% · Tier avg: 62.63%
64
64th pctile
Return on Assets
Current: 1.32% · Tier avg: 1.16%
64
64th pctile
Loan-to-Deposit Ratio
Current: 79.18% · Tier avg: 83.06%
50
50th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
19
19th pctile
Total Assets
Current: $637.1M · Tier avg: $1.4B
18
18th pctile
Total Deposits
Current: $533.4M · Tier avg: $1.2B
18
18th pctile
Total Loans
Current: $422.4M · Tier avg: $975.5M
5
5th pctile
Nonperforming Asset Ratio
Current: 2.10% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 3.17% · Tier avg: 0.63%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 3.17% · Tier avg: 0.63%
5
5th pctile
Nonperforming Asset Ratio
Current: 2.10% · Tier avg: 0.50%
18
18th pctile
Total Loans
Current: $422.4M · Tier avg: $975.5M
18
18th pctile
Total Deposits
Current: $533.4M · Tier avg: $1.2B
19
19th pctile
Total Assets
Current: $637.1M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
50
50th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.74%
64
64th pctile
Loan-to-Deposit Ratio
Current: 79.18% · Tier avg: 83.06%
64
64th pctile
Return on Assets
Current: 1.32% · Tier avg: 1.16%
68
68th pctile
Efficiency Ratio
Current: 56.62% · Tier avg: 62.63%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 25.71% · Tier avg: 21.05%
82
82th pctile
Net Interest Margin
Current: 4.34% · Tier avg: 3.66%