BlastPoint's Banking Scorecard
Flushing Bank
Mid-Market
Specialty: Commercial
NY
FDIC cert 58564
Designations: ✓ Community bank
Uniondale, NY
201
banks in Mid-Market tier nationally
22 in NY
View Mid-Market leaderboard (NY) →
Flushing Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 3% in Mid-Market
- - Non-Interest Income / Assets 0.76% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$8.7B
-3.9% YoY
-2.0% QoQ
|
-$1.8B |
$10.5B
+2.9% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
53% |
| Total Loans ? |
$6.6B
-2.4% YoY
-0.3% QoQ
|
-$520.2M |
$7.1B
+4.5% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
57% |
| Total Deposits ? |
$7.3B
+1.2% YoY
-1.6% QoQ
|
-$1.2B |
$8.5B
+3.0% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
56% |
| Return on Assets ? |
0.42%
+308.1% YoY
+11.4% QoQ
|
-0.74% |
1.16%
+9.4% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 11% in tier |
| Net Interest Margin ? |
2.78%
+17.4% YoY
+1.6% QoQ
|
-0.62% |
3.40%
+7.9% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
22% |
| Efficiency Ratio ? |
65.58%
-14.8% YoY
+0.6% QoQ
|
+8.97% |
56.60%
-3.2% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
22% |
| Delinquency Rate ? |
0.63%
+27.9% YoY
-7.1% QoQ
|
-0.06% |
0.68%
+12.0% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
90.04%
-3.6% YoY
+1.3% QoQ
|
+4.57% |
85.47%
+1.1% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
12.93%
+11.9% YoY
-0.4% QoQ
|
-7.71% |
20.64%
-0.3% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.68%
+19.3% YoY
-3.4% QoQ
|
+0.18% |
0.50%
+7.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
27% |
| Tier 1 Capital Ratio ? |
13.73%
+9.7% YoY
+2.6% QoQ
|
+0.18% |
13.55%
+1.8% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
65% |
| Non-Interest Income / Assets ? |
0.20%
+125.2% YoY
+26.0% QoQ
|
-0.76% |
0.96%
+7.1% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 8% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Liquidity Strain
risk
#3 of 80 · Bottom 3% in Mid-Market
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
90.04%
(Tier: 85.47%, National: 78.04%)
80 of 80 Mid-Market banks match
·
609 nationally
→ Stable
-4 banks QoQ
Non-Interest Income / Assets
metric
Bottom 8%
in Mid-Market
Why this stands out
Current:
0.20%
(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
65
65th pctile
Tier 1 Capital Ratio
Current: 13.73% · Tier avg: 13.55%
57
57th pctile
Total Loans
Current: $6.6B · Tier avg: $7.1B
56
56th pctile
Total Deposits
Current: $7.3B · Tier avg: $8.5B
53
53th pctile
Total Assets
Current: $8.7B · Tier avg: $10.5B
48
48th pctile
Delinquency Rate
Current: 0.63% · Tier avg: 0.68%
40
40th pctile
Loan-to-Deposit Ratio
Current: 90.04% · Tier avg: 85.47%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.68% · Tier avg: 0.50%
22
22th pctile
Efficiency Ratio
Current: 65.58% · Tier avg: 56.60%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 12.93% · Tier avg: 20.64%
22
22th pctile
Net Interest Margin
Current: 2.78% · Tier avg: 3.40%
11
11th pctile
Return on Assets
Current: 0.42% · Tier avg: 1.16%
8
8th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.96%
Top Weaknesses
8
8th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.96%
11
11th pctile
Return on Assets
Current: 0.42% · Tier avg: 1.16%
22
22th pctile
Net Interest Margin
Current: 2.78% · Tier avg: 3.40%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 12.93% · Tier avg: 20.64%
22
22th pctile
Efficiency Ratio
Current: 65.58% · Tier avg: 56.60%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.68% · Tier avg: 0.50%
40
40th pctile
Loan-to-Deposit Ratio
Current: 90.04% · Tier avg: 85.47%
48
48th pctile
Delinquency Rate
Current: 0.63% · Tier avg: 0.68%
53
53th pctile
Total Assets
Current: $8.7B · Tier avg: $10.5B
56
56th pctile
Total Deposits
Current: $7.3B · Tier avg: $8.5B
57
57th pctile
Total Loans
Current: $6.6B · Tier avg: $7.1B
65
65th pctile
Tier 1 Capital Ratio
Current: 13.73% · Tier avg: 13.55%