BlastPoint's Banking Scorecard
Spring Bank
Community
Specialty: Commercial
NY
FDIC cert 58668
Bronx, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
Spring 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
- - NIB Deposit Bleed: Bottom 30% in Community
- - Non-Interest Income / Assets 0.65% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$558.1M
+18.2% YoY
+2.8% QoQ
|
-$833.3M |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 9% in tier |
| Total Loans ? |
$374.2M
+22.8% YoY
+7.5% QoQ
|
-$601.2M |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
Bottom 11% in tier |
| Total Deposits ? |
$471.7M
+25.8% YoY
+2.9% QoQ
|
-$692.9M |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 9% in tier |
| Return on Assets ? |
1.55%
-10.6% YoY
-3.2% QoQ
|
+0.39% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
76% |
| Net Interest Margin ? |
4.34%
-2.1% YoY
-1.3% QoQ
|
+0.68% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
82% |
| Efficiency Ratio ? |
47.43%
-0.6% YoY
+1.5% QoQ
|
-15.20% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
Top 11% in tier |
| Delinquency Rate ? |
1.00%
-62.0% YoY
-33.0% QoQ
|
+0.37% |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
79.35%
-2.4% YoY
+4.5% QoQ
|
-3.72% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
19.95%
-17.7% YoY
-4.4% QoQ
|
-1.10% |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
49% |
| Nonperforming Asset Ratio ? |
0.67%
-60.5% YoY
-30.0% QoQ
|
+0.17% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
30% |
| 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 ? |
0.09%
-58.2% YoY
+62.1% QoQ
|
-0.65% |
0.74%
-1.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 3% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
NIB Deposit Bleed
decline
#27 of 89 · Bottom 30% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
19.95%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
Non-Interest Income / Assets
metric
Bottom 3%
in Community
Why this stands out
Current:
0.09%
(Tier avg: 0.74%, 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
89
89th pctile
Efficiency Ratio
Current: 47.43% · Tier avg: 62.63%
82
82th pctile
Net Interest Margin
Current: 4.34% · Tier avg: 3.66%
76
76th pctile
Return on Assets
Current: 1.55% · Tier avg: 1.16%
49
49th pctile
Non-Interest-Bearing Deposit Share
Current: 19.95% · Tier avg: 21.05%
37
37th pctile
Loan-to-Deposit Ratio
Current: 79.35% · Tier avg: 83.06%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.67% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
26
26th pctile
Delinquency Rate
Current: 1.00% · Tier avg: 0.63%
11
11th pctile
Total Loans
Current: $374.2M · Tier avg: $975.5M
9
9th pctile
Total Deposits
Current: $471.7M · Tier avg: $1.2B
9
9th pctile
Total Assets
Current: $558.1M · Tier avg: $1.4B
3
3th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.74%
Top Weaknesses
3
3th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.74%
9
9th pctile
Total Assets
Current: $558.1M · Tier avg: $1.4B
9
9th pctile
Total Deposits
Current: $471.7M · Tier avg: $1.2B
11
11th pctile
Total Loans
Current: $374.2M · Tier avg: $975.5M
26
26th pctile
Delinquency Rate
Current: 1.00% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.67% · Tier avg: 0.50%
37
37th pctile
Loan-to-Deposit Ratio
Current: 79.35% · Tier avg: 83.06%
49
49th pctile
Non-Interest-Bearing Deposit Share
Current: 19.95% · Tier avg: 21.05%
76
76th pctile
Return on Assets
Current: 1.55% · Tier avg: 1.16%
82
82th pctile
Net Interest Margin
Current: 4.34% · Tier avg: 3.66%
89
89th pctile
Efficiency Ratio
Current: 47.43% · Tier avg: 62.63%