BlastPoint's Banking Scorecard
Newfield National Bank
Newfield, NJ
9 branches across NJ
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 25 in NJ.
- Deposits -1.5% year over year ($784.6M on the books).
- Delinquency rate 0.02%.
- Return on assets 0.73%.
- Efficiency ratio 73.46% vs a 64.48% peer average.
- Loan-to-deposit ratio 58.35% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Newfield National Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.90% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.59% below tier average
- - Net Interest Margin 0.73% below tier average
- - Efficiency Ratio 8.98% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$889.1M
+2.0% YoY
+0.2% QoQ
|
+$502.5M |
$386.6M
+1.2% YoY
|
$4.4B
+7.9% YoY
|
$6.3B
+7.7% YoY
|
Top 4.4% in tier |
| Total Loans ? |
$457.8M
+2.5% YoY
+0.7% QoQ
|
+$199.5M |
$258.3M
+1.7% YoY
|
$3.3B
+6.8% YoY
|
$3.2B
+9.4% YoY
|
85% |
| Total Deposits ? |
$784.6M
-1.5% YoY
-4.1% QoQ
|
+$457.9M |
$326.7M
+0.7% YoY
|
$3.6B
+8.2% YoY
|
$4.9B
+7.3% YoY
|
Top 3.0% in tier |
| Return on Assets ? |
0.73%
-1.3% YoY
-14.9% QoQ
|
-0.59% |
1.32%
+10.8% YoY
|
0.53%
-11.1% YoY
|
1.30%
+12.1% YoY
|
20% |
| Net Interest Margin ? |
3.25%
+3.2% YoY
+1.3% QoQ
|
-0.73% |
3.99%
+5.0% YoY
|
3.11%
+4.3% YoY
|
3.95%
+4.9% YoY
|
18% |
| Efficiency Ratio ? |
73.46%
+0.3% YoY
+0.7% QoQ
|
+8.98% |
64.48%
-3.2% YoY
|
78.52%
+3.6% YoY
|
70.05%
+2.5% YoY
|
23% |
| Delinquency Rate ? |
0.02%
-72.1% YoY
-3.7% QoQ
|
-0.90% |
0.92%
+15.7% YoY
|
0.69%
-16.2% YoY
|
0.98%
+16.3% YoY
|
84% |
| Loan-to-Deposit Ratio ? |
58.35%
+4.0% YoY
+5.0% QoQ
|
-19.60% |
77.95%
+1.0% YoY
|
81.90%
-3.2% YoY
|
79.03%
+2.3% YoY
|
85% |
| Non-Interest-Bearing Deposit Share ? |
28.71%
+4.0% YoY
+5.3% QoQ
|
+6.68% |
22.03%
-0.6% YoY
|
16.56%
-0.1% YoY
|
21.98%
-0.6% YoY
|
78% |
| Nonperforming Asset Ratio ? |
0.01%
-72.0% YoY
-3.2% QoQ
|
-0.66% |
0.67%
+16.4% YoY
|
0.61%
-0.3% YoY
|
0.69%
+15.8% YoY
|
Top 14.1% in tier |
| Tier 1 Capital Ratio ? |
18.68%
+0.3% YoY
-1.2% QoQ
|
+2.77% |
15.91%
+1.4% YoY
|
19.31%
+2.7% YoY
|
17.09%
+0.8% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.14%
+25.0% YoY
+61.1% QoQ
|
-0.43% |
0.57%
+7.6% YoY
|
0.77%
-2.9% YoY
|
0.66%
+5.2% YoY
|
30% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
28.7%
+1.1pp YoY +1.5pp QoQ |
+6.6pp | 22.1% | 16.6% | 22.2% | 78% |
| Brokered Deposits | n/a | n/a | 7.9% | 10.1% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.9%
-0.1pp YoY +0.4pp QoQ |
-6.7pp | 11.6% | 6.5% | 12.5% | 19% |
| CRE |
65.4%
-0.8pp YoY -1.7pp QoQ |
+25.8pp | 39.5% | 56.3% | 41.4% | 90% |
| 1-4 Family |
29.7%
+0.6pp YoY +0.9pp QoQ |
-2.9pp | 32.6% | 39.4% | 31.3% | 51% |
| Consumer |
0.1%
-0.1pp YoY 0.0pp QoQ |
-4.0pp | 4.1% | 4.3% | 5.0% | 7% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
18.7%
+0.1pp YoY -0.2pp QoQ |
-0.1pp | 18.8% | 18.8% | 19.7% | 73% |
| Leverage Ratio |
10.1%
+0.4pp YoY 0.0pp QoQ |
-2.1pp | 12.2% | 13.4% | 12.6% | 33% |
| Total Capital Ratio |
19.9%
+0.1pp YoY -0.2pp QoQ |
0.0pp | 19.9% | 19.8% | 20.8% | 73% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
143
-3 (-2.1%) YoY +2 (+1.4%) QoQ |
+84 | 58 | 336 | 482 | 97% |
| Assets per Employee ($) |
$6.2M
+4.2% YoY -1.2% QoQ |
-$1.3M | $7.5M | $11.2M | $8.8M | 37% |
| Branch Count |
9
-1 (-10.0%) YoY 0 QoQ |
+4 | 4 | 20 | 18 | 86% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 0.8% | 1.0% | 6% |
| Allowance Coverage |
65.00x
+254.1% YoY +2.1% QoQ |
+40.85x | 24.15x | 6.57x | 20.23x | 95% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.2% | 0.2% | 22% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.6%
-2.0pp YoY -1.8pp QoQ |
-2.6pp | 12.2% | 6.4% | 11.6% | 34% |
| Cost of Funds (YTD) |
1.1%
0.0pp YoY 0.0pp QoQ |
-0.7pp | 1.7% | 1.9% | 1.7% | 12% |
| Net Income ($, YTD) |
$3.2M
-0.3% YoY — QoQ |
+$690K | $2.6M | $19.8M | $40.4M | 73% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.