BlastPoint's Banking Scorecard
Hanover Community Bank
Community
Specialty: Commercial
NY
FDIC cert 58675
Garden City Park, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
Hanover Community Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 8% in Community
- - Liquidity Strain: Bottom 21% in Community
- - Return on Assets 0.78% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.4B
+3.1% YoY
+2.2% QoQ
|
+$990.2M |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
85% |
| Total Loans ? |
$2.0B
+0.7% YoY
+0.7% QoQ
|
+$1.0B |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
Top 11% in tier |
| Total Deposits ? |
$2.0B
+3.8% YoY
+2.7% QoQ
|
+$863.9M |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
Top 15% in tier |
| Return on Assets ? |
0.38%
-34.9% YoY
-20.9% QoQ
|
-0.78% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 8% in tier |
| Net Interest Margin ? |
2.80%
+14.2% YoY
+2.0% QoQ
|
-0.86% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 11% in tier |
| Efficiency Ratio ? |
70.82%
+5.1% YoY
-2.7% QoQ
|
+8.18% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
25% |
| Delinquency Rate ? |
1.09%
+31.1% YoY
+25.0% QoQ
|
+0.46% |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
98.02%
-3.0% YoY
-2.0% QoQ
|
+14.96% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
12.22%
+12.5% YoY
+3.3% QoQ
|
-8.82% |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
16% |
| Nonperforming Asset Ratio ? |
0.93%
+31.9% YoY
+26.8% QoQ
|
+0.44% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
22% |
| Tier 1 Capital Ratio ? |
12.90%
-3.2% YoY
-1.8% QoQ
|
+2.66% |
10.24%
-0.6% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.53%
-20.0% YoY
+22.6% QoQ
|
-0.21% |
0.74%
-1.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
52% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Credit Risk Growth
risk
#52 of 642 · Bottom 8% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Liquidity Strain
risk
#108 of 513 · Bottom 21% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
98.02%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 8%
in Community
Why this stands out
Current:
0.38%
(Tier avg: 1.16%, National avg: 1.12%)
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
Total Loans
Current: $2.0B · Tier avg: $975.5M
85
85th pctile
Total Deposits
Current: $2.0B · Tier avg: $1.2B
85
85th pctile
Total Assets
Current: $2.4B · Tier avg: $1.4B
57
57th pctile
Tier 1 Capital Ratio
Current: 12.90% · Tier avg: 10.24%
52
52th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.74%
25
25th pctile
Efficiency Ratio
Current: 70.82% · Tier avg: 62.63%
24
24th pctile
Delinquency Rate
Current: 1.09% · Tier avg: 0.63%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.93% · Tier avg: 0.50%
17
17th pctile
Loan-to-Deposit Ratio
Current: 98.02% · Tier avg: 83.06%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.22% · Tier avg: 21.05%
11
11th pctile
Net Interest Margin
Current: 2.80% · Tier avg: 3.66%
8
8th pctile
Return on Assets
Current: 0.38% · Tier avg: 1.16%
Top Weaknesses
8
8th pctile
Return on Assets
Current: 0.38% · Tier avg: 1.16%
11
11th pctile
Net Interest Margin
Current: 2.80% · Tier avg: 3.66%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.22% · Tier avg: 21.05%
17
17th pctile
Loan-to-Deposit Ratio
Current: 98.02% · Tier avg: 83.06%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.93% · Tier avg: 0.50%
24
24th pctile
Delinquency Rate
Current: 1.09% · Tier avg: 0.63%
25
25th pctile
Efficiency Ratio
Current: 70.82% · Tier avg: 62.63%
52
52th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.74%
57
57th pctile
Tier 1 Capital Ratio
Current: 12.90% · Tier avg: 10.24%
85
85th pctile
Total Assets
Current: $2.4B · Tier avg: $1.4B
85
85th pctile
Total Deposits
Current: $2.0B · Tier avg: $1.2B
89
89th pctile
Total Loans
Current: $2.0B · Tier avg: $975.5M