BlastPoint's Banking Scorecard
New Horizon Bank, National Association
Micro
Specialty: Commercial
VA
FDIC cert 58857
Designations: ✓ Community bank
Powhatan, VA
2498
banks in Micro tier nationally
18 in VA
View Micro leaderboard (VA) →
New Horizon Bank, National Association has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 20.94% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 2.43% below tier
- - Efficiency Ratio 52.07% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$251.1M
+26.4% YoY
+17.3% QoQ
|
+$33.6M |
$217.5M
+2.3% YoY
|
$17.5B
+24.6% YoY
|
$5.9B
+6.5% YoY
|
63% |
| Total Loans ? |
$144.2M
+63.4% YoY
+15.9% QoQ
|
+$5.0M |
$139.2M
+2.8% YoY
|
$10.7B
+28.4% YoY
|
$3.1B
+8.5% YoY
|
58% |
| Total Deposits ? |
$205.3M
+16.1% YoY
+19.0% QoQ
|
+$21.7M |
$183.7M
+1.8% YoY
|
$13.8B
+21.4% YoY
|
$4.7B
+6.3% YoY
|
61% |
| Return on Assets ? |
-1.35%
+3.5% YoY
-25.7% QoQ
|
-2.43% |
1.08%
+14.7% YoY
|
0.94%
+24.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 2% in tier |
| Net Interest Margin ? |
3.74%
+17.0% YoY
+2.2% QoQ
|
-0.11% |
3.85%
+6.6% YoY
|
3.66%
+9.0% YoY
|
3.75%
+7.1% YoY
|
46% |
| Efficiency Ratio ? |
119.79%
-18.2% YoY
-0.1% QoQ
|
+52.07% |
67.73%
-4.8% YoY
|
66.70%
-6.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 2% in tier |
| Delinquency Rate ? |
0.19%
-65.3% YoY
-27.2% QoQ
|
-0.45% |
0.64%
+24.4% YoY
|
0.75%
+37.7% YoY
|
0.66%
+20.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
70.22%
+40.7% YoY
-2.6% QoQ
|
-4.30% |
74.53%
+0.5% YoY
|
79.98%
+0.8% YoY
|
78.04%
+0.7% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
43.34%
-5.1% YoY
+30.7% QoQ
|
+20.94% |
22.39%
-1.3% YoY
|
24.23%
+0.2% YoY
|
21.79%
-1.3% YoY
|
Top 5% in tier |
| Nonperforming Asset Ratio ? |
0.11%
-55.2% YoY
-28.0% QoQ
|
-0.34% |
0.45%
+25.1% YoY
|
0.53%
+39.4% YoY
|
0.48%
+20.8% YoY
|
66% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.48%
+7.9% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.42%
+133.3% YoY
-3.3% QoQ
|
-0.14% |
0.56%
+0.3% YoY
|
0.64%
-0.2% YoY
|
0.65%
+0.6% YoY
|
59% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 5%
in Micro
Why this stands out
Current:
43.34%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (2)
Return on Assets
metric
Bottom 2%
in Micro
Why this stands out
Current:
-1.35%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 2%
in Micro
Why this stands out
Current:
119.79%
(Tier avg: 67.73%, National avg: 65.09%)
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
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 43.34% · Tier avg: 22.39%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
63
63th pctile
Total Assets
Current: $251.1M · Tier avg: $217.5M
62
62th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.64%
61
61th pctile
Loan-to-Deposit Ratio
Current: 70.22% · Tier avg: 74.53%
61
61th pctile
Total Deposits
Current: $205.3M · Tier avg: $183.7M
59
59th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
58
58th pctile
Total Loans
Current: $144.2M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Net Interest Margin
Current: 3.74% · Tier avg: 3.85%
2
2th pctile
Efficiency Ratio
Current: 119.79% · Tier avg: 67.73%
2
2th pctile
Return on Assets
Current: -1.35% · Tier avg: 1.08%
Top Weaknesses
2
2th pctile
Return on Assets
Current: -1.35% · Tier avg: 1.08%
2
2th pctile
Efficiency Ratio
Current: 119.79% · Tier avg: 67.73%
46
46th pctile
Net Interest Margin
Current: 3.74% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
58
58th pctile
Total Loans
Current: $144.2M · Tier avg: $139.2M
59
59th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
61
61th pctile
Total Deposits
Current: $205.3M · Tier avg: $183.7M
61
61th pctile
Loan-to-Deposit Ratio
Current: 70.22% · Tier avg: 74.53%
62
62th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.64%
63
63th pctile
Total Assets
Current: $251.1M · Tier avg: $217.5M
66
66th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 43.34% · Tier avg: 22.39%