BlastPoint's Banking Scorecard

The National Iron Bank

$100M-$1B Specialty: Mortgage CT FDIC cert 2496

Salisbury, CT

4 branches across CT

2664 banks in the $100M-$1B peer group nationally 12 in CT

The National Iron Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 44.4% in tier
- Cost Spiral: Bottom 98.4% in tier
- ROA 0.55% below tier average
- Net Interest Margin 0.88% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Total Assets ?	$319.5M +6.0% YoY -4.7% QoQ	-$66.5M	$386.1M +0.5% YoY	$4.6B +6.9% YoY	$6.2B +9.1% YoY	49%
Total Loans ?	$255.9M +4.7% YoY -1.4% QoQ	+$175K	$255.7M +1.1% YoY	$3.2B +8.3% YoY	$3.2B +10.8% YoY	61%
Total Deposits ?	$293.6M +6.1% YoY +1.3% QoQ	-$34.4M	$328.0M +0.1% YoY	$3.7B +5.9% YoY	$4.8B +8.2% YoY	53%
Return on Assets ?	0.72% +63.1% YoY +31.1% QoQ	-0.55%	1.27% +12.9% YoY	0.98% +59.4% YoY	1.23% +13.4% YoY	22%
Net Interest Margin ?	3.05% +16.4% YoY +10.8% QoQ	-0.88%	3.93% +6.0% YoY	3.30% +11.1% YoY	3.89% +5.7% YoY	Bottom 12.8% in tier
Efficiency Ratio ?	71.81% +41.8% YoY +10.9% QoQ	+6.53%	65.29% -4.5% YoY	74.04% -0.3% YoY	66.95% -4.1% YoY	29%
Delinquency Rate ?	0.00% -100.0% YoY	-0.89%	0.89% +18.8% YoY	0.76% +15.1% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	87.15% -1.4% YoY -2.7% QoQ	+10.52%	76.64% +0.8% YoY	87.65% +0.6% YoY	76.70% +0.9% YoY	30%
Non-Interest-Bearing Deposit Share ?	13.23% +14.4% YoY +1.2% QoQ	-8.79%	22.02% -1.0% YoY	20.48% -2.9% YoY	22.01% -1.2% YoY	18%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.64%	0.64% +19.7% YoY	0.54% +14.2% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	16.02% -4.2% YoY +0.3% QoQ	+0.19%	15.83% +1.5% YoY	15.66% +1.9% YoY	17.06% +0.8% YoY	72%
Non-Interest Income / Assets ?	0.05% -89.4% YoY -92.9% QoQ	-0.23%	0.28% +9.3% YoY	0.74% +3.6% YoY	0.32% +4.1% YoY	20%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Overhang

risk

#329 of 739 • Bottom 44.4% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 16.02%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 87.15%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ

Cost Spiral

risk

#125 of 126 • Bottom 98.4% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 71.81%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Top Weaknesses (4 metrics)

2324

Net Interest Margin

profitability

Value: 3.05%

Peer Median: 3.93%

#2324 of 2664 Bottom 12.8% in $100M-$1B

2182

Non-Interest-Bearing Deposit Share

funding

Value: 13.23%

Peer Median: 22.02%

#2182 of 2664 Bottom 18.1% in $100M-$1B

2142

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2142 of 2664 Bottom 19.6% in $100M-$1B

2085

Return on Assets

profitability

Value: 0.72%

Peer Median: 1.27%

#2085 of 2664 Bottom 21.8% in $100M-$1B