BlastPoint's Banking Scorecard

Hana Bank USA, National Association

$100M-$1B Specialty: Commercial NJ FDIC cert 26790

Designations: ✓ Minority Depository Institution

Fort Lee, NJ

4 branches across NY · CA · NJ

2664 banks in the $100M-$1B peer group nationally 23 in NJ

Hana Bank USA, National Association has 3 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

+ Profitability Leader: Top 15.5% in tier
+ Efficiency Ratio 9.27% below tier average
+ Delinquency Rate 0.88% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 6.2% in tier
- NIB Deposit Bleed: Bottom 28.8% in tier
- Non-Interest Income / Assets 0.25% below tier average
- Net Interest Margin 0.80% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Total Assets ?	$839.6M +23.5% YoY +5.0% QoQ	+$453.6M	$386.1M +0.5% YoY	$4.1B +2.0% YoY	$6.2B +9.1% YoY	Top 6.5% in tier
Total Loans ?	$505.2M +17.2% YoY +6.6% QoQ	+$249.5M	$255.7M +1.1% YoY	$3.1B +1.9% YoY	$3.2B +10.8% YoY	Top 10.6% in tier
Total Deposits ?	$602.6M +7.8% YoY +6.8% QoQ	+$274.6M	$328.0M +0.1% YoY	$3.3B +2.8% YoY	$4.8B +8.2% YoY	Top 12.3% in tier
Return on Assets ?	1.76% +192.0% YoY +9.6% QoQ	+0.49%	1.27% +12.9% YoY	0.42% -40.1% YoY	1.23% +13.4% YoY	80%
Net Interest Margin ?	3.13% +17.2% YoY +10.4% QoQ	-0.80%	3.93% +6.0% YoY	3.07% +6.4% YoY	3.89% +5.7% YoY	15%
Efficiency Ratio ?	56.02% -24.5% YoY -17.3% QoQ	-9.27%	65.29% -4.5% YoY	81.63% +9.7% YoY	66.95% -4.1% YoY	71%
Delinquency Rate ?	0.01% -61.7% YoY -25.4% QoQ	-0.88%	0.89% +18.8% YoY	0.74% -28.2% YoY	0.95% +18.8% YoY	Top 13.2% in tier
Loan-to-Deposit Ratio ?	83.85% +8.7% YoY -0.1% QoQ	+7.21%	76.64% +0.8% YoY	82.02% -3.5% YoY	76.70% +0.9% YoY	37%
Non-Interest-Bearing Deposit Share ?	18.46% -46.9% YoY -12.8% QoQ	-3.56%	22.02% -1.0% YoY	16.85% -1.4% YoY	22.01% -1.2% YoY	38%
Nonperforming Asset Ratio ?	0.00% -63.7% YoY -24.2% QoQ	-0.63%	0.64% +19.7% YoY	0.57% -26.7% YoY	0.67% +19.3% YoY	Top 12.3% in tier
Tier 1 Capital Ratio ?	42.42% +60.9% YoY -6.0% QoQ	+26.59%	15.83% +1.5% YoY	20.47% +20.0% YoY	17.06% +0.8% YoY	Top 1.3% in tier
Non-Interest Income / Assets ?	0.03% -7.6% YoY -70.8% QoQ	-0.25%	0.28% +9.3% YoY	0.39% -6.4% YoY	0.32% +4.1% YoY	Bottom 8.4% in tier

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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 (1)

Profitability Leader

growth

#104 of 666 • Top 15.5% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.76%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (2)

Liquidity Overhang

risk

#47 of 739 • Bottom 6.2% 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: 42.42%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 83.85%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ

NIB Deposit Bleed

decline

#58 of 198 • Bottom 28.8% in tier

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: 18.46%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 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 (7 metrics)

Tier 1 Capital Ratio

capital

Value: 42.42%

Peer Median: 15.83%

#36 of 2664 Top 1.3% in $100M-$1B

175

Total Assets

size

Value: $839.65M

Peer Median: $386.08M

#175 of 2664 Top 6.5% in $100M-$1B

284

Total Loans

size

Value: $505.23M

Peer Median: $255.72M

#284 of 2664 Top 10.6% in $100M-$1B

329

Total Deposits

size

Value: $602.56M

Peer Median: $327.97M

#329 of 2664 Top 12.3% in $100M-$1B

329

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#329 of 2664 Top 12.3% in $100M-$1B

352

Delinquency Rate

credit_quality

Value: 0.01%

Peer Median: 0.89%

#352 of 2654 Top 13.2% in $100M-$1B

543

Return on Assets

profitability

Value: 1.76%

Peer Median: 1.27%

#543 of 2664 Top 20.3% in $100M-$1B

Top Weaknesses (2 metrics)

2441

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.28%

#2441 of 2664 Bottom 8.4% in $100M-$1B

2256

Net Interest Margin

profitability

Value: 3.13%

Peer Median: 3.93%

#2256 of 2664 Bottom 15.4% in $100M-$1B