BlastPoint's Banking Scorecard
Cross River Bank
Mid-Market
Specialty: Other
NJ
FDIC cert 58410
Fort Lee, NJ
201
banks in Mid-Market tier nationally
7 in NJ
View Mid-Market leaderboard (NJ) →
Cross River Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 2.20% above tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 2% in Mid-Market
- - Efficiency Drag: Bottom 38% in Mid-Market
- - Return on Assets 0.87% below tier
- - Delinquency Rate 4.24% above tier
- - Nonperforming Asset Ratio 3.38% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$8.1B
-2.5% YoY
-0.8% QoQ
|
-$2.4B |
$10.5B
+2.9% YoY
|
$4.2B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
46% |
| Total Loans ? |
$5.2B
-10.2% YoY
-8.5% QoQ
|
-$1.9B |
$7.1B
+4.5% YoY
|
$3.1B
+3.2% YoY
|
$3.1B
+8.5% YoY
|
41% |
| Total Deposits ? |
$6.2B
-0.7% YoY
-6.1% QoQ
|
-$2.4B |
$8.5B
+3.0% YoY
|
$3.3B
+4.8% YoY
|
$4.7B
+6.3% YoY
|
40% |
| Return on Assets ? |
0.29%
-32.4% YoY
-33.7% QoQ
|
-0.87% |
1.16%
+9.4% YoY
|
0.71%
+43.1% YoY
|
1.12%
+15.6% YoY
|
Bottom 7% in tier |
| Net Interest Margin ? |
5.60%
-2.1% YoY
-0.3% QoQ
|
+2.20% |
3.40%
+7.9% YoY
|
3.05%
+6.0% YoY
|
3.75%
+7.1% YoY
|
Top 3% in tier |
| Efficiency Ratio ? |
82.80%
-1.2% YoY
+7.6% QoQ
|
+26.20% |
56.60%
-3.2% YoY
|
72.64%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 4% in tier |
| Delinquency Rate ? |
4.93%
-57.7% YoY
+83.4% QoQ
|
+4.24% |
0.68%
+12.0% YoY
|
0.45%
-7.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
83.78%
-9.5% YoY
-2.5% QoQ
|
-1.69% |
85.47%
+1.1% YoY
|
88.06%
-0.7% YoY
|
78.04%
+0.7% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
21.72%
+21.6% YoY
+40.0% QoQ
|
+1.08% |
20.64%
-0.3% YoY
|
14.99%
+4.4% YoY
|
21.79%
-1.3% YoY
|
52% |
| Nonperforming Asset Ratio ? |
3.87%
-52.4% YoY
+55.6% QoQ
|
+3.38% |
0.50%
+7.3% YoY
|
0.33%
-21.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -13.55% |
13.55%
+1.8% YoY
|
12.24%
-1.3% YoY
|
9.75%
-1.9% YoY
|
Bottom 1% in tier |
| Non-Interest Income / Assets ? |
1.05%
+153.3% YoY
+28.7% QoQ
|
+0.09% |
0.96%
+7.1% YoY
|
0.52%
-18.3% YoY
|
0.65%
+0.6% YoY
|
79% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 3%
in Mid-Market
Why this stands out
Current:
5.60%
(Tier avg: 3.40%, National avg: 3.75%)
Concerns (5)
Capital Thin
risk
#2 of 51 · Bottom 2% in Mid-Market
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: 13.55%, National: 9.75%)
51 of 51 Mid-Market banks match
·
505 nationally
→ Stable
+11 banks QoQ
Efficiency Drag
risk
#4 of 9 · Bottom 38% in Mid-Market
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
82.80%
(Tier: 56.60%, National: 65.09%)
9 of 9 Mid-Market banks match
·
163 nationally
→ Stable
-9 banks QoQ
Return on Assets
metric
Bottom 7%
in Mid-Market
Why this stands out
Current:
0.29%
(Tier avg: 1.16%, National avg: 1.12%)
Delinquency Rate
metric
Bottom 1%
in Mid-Market
Why this stands out
Current:
4.93%
(Tier avg: 0.68%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Mid-Market
Why this stands out
Current:
3.87%
(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
97
97th pctile
Net Interest Margin
Current: 5.60% · Tier avg: 3.40%
79
79th pctile
Non-Interest Income / Assets
Current: 1.05% · Tier avg: 0.96%
60
60th pctile
Loan-to-Deposit Ratio
Current: 83.78% · Tier avg: 85.47%
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 21.72% · Tier avg: 20.64%
46
46th pctile
Total Assets
Current: $8.1B · Tier avg: $10.5B
41
41th pctile
Total Loans
Current: $5.2B · Tier avg: $7.1B
40
40th pctile
Total Deposits
Current: $6.2B · Tier avg: $8.5B
7
7th pctile
Return on Assets
Current: 0.29% · Tier avg: 1.16%
4
4th pctile
Efficiency Ratio
Current: 82.80% · Tier avg: 56.60%
0
0th pctile
Delinquency Rate
Current: 4.93% · Tier avg: 0.68%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.87% · Tier avg: 0.50%
0
0th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 13.55%
Top Weaknesses
0
0th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 13.55%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.87% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 4.93% · Tier avg: 0.68%
4
4th pctile
Efficiency Ratio
Current: 82.80% · Tier avg: 56.60%
7
7th pctile
Return on Assets
Current: 0.29% · Tier avg: 1.16%
40
40th pctile
Total Deposits
Current: $6.2B · Tier avg: $8.5B
41
41th pctile
Total Loans
Current: $5.2B · Tier avg: $7.1B
46
46th pctile
Total Assets
Current: $8.1B · Tier avg: $10.5B
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 21.72% · Tier avg: 20.64%
60
60th pctile
Loan-to-Deposit Ratio
Current: 83.78% · Tier avg: 85.47%
79
79th pctile
Non-Interest Income / Assets
Current: 1.05% · Tier avg: 0.96%
97
97th pctile
Net Interest Margin
Current: 5.60% · Tier avg: 3.40%