BlastPoint's Banking Scorecard
Amalgamated Bank
Mid-Market
Specialty: Commercial
NY
FDIC cert 622
New York, NY
201
banks in Mid-Market tier nationally
22 in NY
View Mid-Market leaderboard (NY) →
Amalgamated Bank shows strong momentum with 2 strengths and 7.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 24.13% below tier
- + Non-Interest-Bearing Deposit Share 20.37% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$8.9B
+7.4% YoY
+2.1% QoQ
|
-$1.6B |
$10.5B
+2.9% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
54% |
| Total Loans ? |
$4.9B
+5.4% YoY
+3.5% QoQ
|
-$2.2B |
$7.1B
+4.5% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
36% |
| Total Deposits ? |
$8.0B
+10.5% YoY
+2.0% QoQ
|
-$546.8M |
$8.5B
+3.0% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
63% |
| Return on Assets ? |
1.26%
-5.0% YoY
-0.4% QoQ
|
+0.09% |
1.16%
+9.4% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
57% |
| Net Interest Margin ? |
3.63%
+0.9% YoY
+0.5% QoQ
|
+0.24% |
3.40%
+7.9% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
59% |
| Efficiency Ratio ? |
50.81%
+5.5% YoY
+1.7% QoQ
|
-5.79% |
56.60%
-3.2% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
72% |
| Delinquency Rate ? |
0.58%
-10.2% YoY
+20.3% QoQ
|
-0.10% |
0.68%
+12.0% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
61.34%
-4.6% YoY
+1.5% QoQ
|
-24.13% |
85.47%
+1.1% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Top 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
41.01%
+1.6% YoY
+8.0% QoQ
|
+20.37% |
20.64%
-0.3% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
Top 4% in tier |
| Nonperforming Asset Ratio ? |
0.32%
-11.8% YoY
+22.0% QoQ
|
-0.18% |
0.50%
+7.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
62% |
| Tier 1 Capital Ratio ? |
14.58%
+3.0% YoY
+2.0% QoQ
|
+1.03% |
13.55%
+1.8% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.39%
-23.5% YoY
+26.9% QoQ
|
-0.57% |
0.96%
+7.1% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
23% |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 7%
in Mid-Market
Why this stands out
Current:
61.34%
(Tier avg: 85.47%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 4%
in Mid-Market
Why this stands out
Current:
41.01%
(Tier avg: 20.64%, National avg: 21.79%)
Concerns (0)
No concerns identified
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
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 41.01% · Tier avg: 20.64%
93
93th pctile
Loan-to-Deposit Ratio
Current: 61.34% · Tier avg: 85.47%
76
76th pctile
Tier 1 Capital Ratio
Current: 14.58% · Tier avg: 13.55%
72
72th pctile
Efficiency Ratio
Current: 50.81% · Tier avg: 56.60%
63
63th pctile
Total Deposits
Current: $8.0B · Tier avg: $8.5B
62
62th pctile
Nonperforming Asset Ratio
Current: 0.32% · Tier avg: 0.50%
59
59th pctile
Net Interest Margin
Current: 3.63% · Tier avg: 3.40%
57
57th pctile
Return on Assets
Current: 1.26% · Tier avg: 1.16%
54
54th pctile
Total Assets
Current: $8.9B · Tier avg: $10.5B
49
49th pctile
Delinquency Rate
Current: 0.58% · Tier avg: 0.68%
36
36th pctile
Total Loans
Current: $4.9B · Tier avg: $7.1B
23
23th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.96%
Top Weaknesses
23
23th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.96%
36
36th pctile
Total Loans
Current: $4.9B · Tier avg: $7.1B
49
49th pctile
Delinquency Rate
Current: 0.58% · Tier avg: 0.68%
54
54th pctile
Total Assets
Current: $8.9B · Tier avg: $10.5B
57
57th pctile
Return on Assets
Current: 1.26% · Tier avg: 1.16%
59
59th pctile
Net Interest Margin
Current: 3.63% · Tier avg: 3.40%
62
62th pctile
Nonperforming Asset Ratio
Current: 0.32% · Tier avg: 0.50%
63
63th pctile
Total Deposits
Current: $8.0B · Tier avg: $8.5B
72
72th pctile
Efficiency Ratio
Current: 50.81% · Tier avg: 56.60%
76
76th pctile
Tier 1 Capital Ratio
Current: 14.58% · Tier avg: 13.55%
93
93th pctile
Loan-to-Deposit Ratio
Current: 61.34% · Tier avg: 85.47%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 41.01% · Tier avg: 20.64%