BlastPoint's Banking Scorecard
Piermont Bank
Community
Specialty: Commercial
NY
FDIC cert 59154
New York, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
Piermont Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 9.42% above tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 3% in Community
- - NIB Deposit Bleed: Bottom 15% in Community
- - Liquidity Overhang: Bottom 49% in Community
- - Return on Assets 2.07% below tier
- - Net Interest Margin 1.57% below tier
- - Efficiency Ratio 57.78% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$519.7M
-5.6% YoY
+4.7% QoQ
|
-$871.8M |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 3% in tier |
| Total Loans ? |
$290.2M
-4.5% YoY
+4.0% QoQ
|
-$685.2M |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
Bottom 5% in tier |
| Total Deposits ? |
$397.3M
-2.3% YoY
+8.3% QoQ
|
-$767.3M |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 1% in tier |
| Return on Assets ? |
-0.90%
+4.2% YoY
-25.9% QoQ
|
-2.07% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
2.10%
-28.2% YoY
-1.3% QoQ
|
-1.57% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 2% in tier |
| Efficiency Ratio ? |
120.41%
-2.4% YoY
+5.1% QoQ
|
+57.78% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
0.55%
-75.4% YoY
-77.5% QoQ
|
-0.08% |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
73.05%
-2.3% YoY
-4.0% QoQ
|
-10.02% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
17.52%
-28.9% YoY
-3.9% QoQ
|
-3.52% |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
36% |
| Nonperforming Asset Ratio ? |
0.31%
-75.2% YoY
-77.6% QoQ
|
-0.19% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
53% |
| Tier 1 Capital Ratio ? |
19.67%
-2.6% YoY
-5.8% QoQ
|
+9.42% |
10.24%
-0.6% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
Top 7% in tier |
| Non-Interest Income / Assets ? |
0.78%
+10.8% YoY
+10.7% QoQ
|
+0.04% |
0.74%
-1.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
76% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 7%
in Community
Why this stands out
Current:
19.67%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (6)
Deposit Outflow
decline
#9 of 248 · Bottom 3% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
NIB Deposit Bleed
decline
#14 of 89 · Bottom 15% 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:
17.52%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
Liquidity Overhang
risk
#133 of 268 · Bottom 49% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
19.67%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
73.05%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
Return on Assets
metric
Bottom 1%
in Community
Why this stands out
Current:
-0.90%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 2%
in Community
Why this stands out
Current:
2.10%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
120.41%
(Tier avg: 62.63%, 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
93
93th pctile
Tier 1 Capital Ratio
Current: 19.67% · Tier avg: 10.24%
76
76th pctile
Non-Interest Income / Assets
Current: 0.78% · Tier avg: 0.74%
75
75th pctile
Loan-to-Deposit Ratio
Current: 73.05% · Tier avg: 83.06%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.31% · Tier avg: 0.50%
43
43th pctile
Delinquency Rate
Current: 0.55% · Tier avg: 0.63%
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 17.52% · Tier avg: 21.05%
5
5th pctile
Total Loans
Current: $290.2M · Tier avg: $975.5M
3
3th pctile
Total Assets
Current: $519.7M · Tier avg: $1.4B
2
2th pctile
Net Interest Margin
Current: 2.10% · Tier avg: 3.66%
1
1th pctile
Total Deposits
Current: $397.3M · Tier avg: $1.2B
1
1th pctile
Return on Assets
Current: -0.90% · Tier avg: 1.16%
1
1th pctile
Efficiency Ratio
Current: 120.41% · Tier avg: 62.63%
Top Weaknesses
1
1th pctile
Efficiency Ratio
Current: 120.41% · Tier avg: 62.63%
1
1th pctile
Return on Assets
Current: -0.90% · Tier avg: 1.16%
1
1th pctile
Total Deposits
Current: $397.3M · Tier avg: $1.2B
2
2th pctile
Net Interest Margin
Current: 2.10% · Tier avg: 3.66%
3
3th pctile
Total Assets
Current: $519.7M · Tier avg: $1.4B
5
5th pctile
Total Loans
Current: $290.2M · Tier avg: $975.5M
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 17.52% · Tier avg: 21.05%
43
43th pctile
Delinquency Rate
Current: 0.55% · Tier avg: 0.63%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.31% · Tier avg: 0.50%
75
75th pctile
Loan-to-Deposit Ratio
Current: 73.05% · Tier avg: 83.06%
76
76th pctile
Non-Interest Income / Assets
Current: 0.78% · Tier avg: 0.74%
93
93th pctile
Tier 1 Capital Ratio
Current: 19.67% · Tier avg: 10.24%