BlastPoint

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

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 +13.3% year over year ($588.2M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 2.91%.
  • Efficiency ratio 55.52% vs a 64.48% peer average.
  • Loan-to-deposit ratio 86.75% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 25 in NJ
View $100M-$1B leaderboard (NJ) →

Hana Bank USA, National Association has 4 strengths but faces 3 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 9.7% in tier
  • + Delinquency Rate 0.92% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + Efficiency Ratio 8.96% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 5.8% in tier
  • - Non-Interest Income / Assets 0.50% below tier average
  • - Net Interest Margin 0.80% below tier average
Get updates when Hana Bank USA, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Total Assets ? $835.2M
+29.3% YoY -0.5% QoQ
+$448.7M $386.6M
+1.2% YoY
$4.4B
+7.9% YoY
$6.3B
+7.7% YoY
Top 6.3% in tier
Total Loans ? $510.3M
+9.9% YoY +1.0% QoQ
+$251.9M $258.3M
+1.7% YoY
$3.3B
+6.8% YoY
$3.2B
+9.4% YoY
Top 10.6% in tier
Total Deposits ? $588.2M
+13.3% YoY -2.4% QoQ
+$261.5M $326.7M
+0.7% YoY
$3.6B
+8.2% YoY
$4.9B
+7.3% YoY
Top 12.9% in tier
Return on Assets ? 2.91%
+21.3% YoY +65.6% QoQ
+1.59% 1.32%
+10.8% YoY
0.53%
-11.1% YoY
1.30%
+12.1% YoY
Top 2.4% in tier
Net Interest Margin ? 3.19%
+12.9% YoY +1.8% QoQ
-0.80% 3.99%
+5.0% YoY
3.11%
+4.3% YoY
3.95%
+4.9% YoY
16%
Efficiency Ratio ? 55.52%
-21.9% YoY -0.9% QoQ
-8.96% 64.48%
-3.2% YoY
78.52%
+3.6% YoY
70.05%
+2.5% YoY
71%
Delinquency Rate ? 0.00%
-100.0% YoY -100.0% QoQ
-0.92% 0.92%
+15.7% YoY
0.69%
-16.2% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 86.75%
-3.0% YoY +3.5% QoQ
+8.80% 77.95%
+1.0% YoY
81.90%
-3.2% YoY
79.03%
+2.3% YoY
33%
Non-Interest-Bearing Deposit Share ? 19.37%
-12.4% YoY +4.9% QoQ
-2.67% 22.03%
-0.6% YoY
16.56%
-0.1% YoY
21.98%
-0.6% YoY
42%
Nonperforming Asset Ratio ? 0.00%
-100.0% YoY -100.0% QoQ
-0.67% 0.67%
+16.4% YoY
0.61%
-0.3% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 42.21%
+75.3% YoY -0.5% QoQ
+26.30% 15.91%
+1.4% YoY
19.31%
+2.7% YoY
17.09%
+0.8% YoY
Top 1.6% in tier
Non-Interest Income / Assets ? 0.06%
-6.2% YoY +104.2% QoQ
-0.50% 0.57%
+7.6% YoY
0.77%
-2.9% YoY
0.66%
+5.2% YoY
Bottom 8.1% in tier

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 19.4%
-2.7pp YoY
+0.9pp QoQ
 -2.8pp 22.1% 16.6% 22.2% 42%
Brokered Deposits 7.2%
-12.9pp YoY
+4.3pp QoQ
 -0.7pp 7.9% 10.1% 8.5% 65%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
C&I 23.2%
+4.7pp YoY
-0.8pp QoQ
 +11.6pp 11.6% 6.5% 12.5% 92%
CRE 74.6%
+0.7pp QoQ
 +35.1pp 39.5% 56.3% 41.4% 95%
1-4 Family 3.2%
+0.8pp YoY
+0.2pp QoQ
 -29.5pp 32.6% 39.4% 31.3% 3%
Consumer n/a n/a 4.1% 4.3% 5.0% n/a

Capital

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
CET1 Ratio 42.2%
+18.1pp YoY
-0.2pp QoQ
 +23.4pp 18.8% 18.8% 19.7% 97%
Leverage Ratio 25.4%
+8.8pp YoY
+0.4pp QoQ
 +13.2pp 12.2% 13.4% 12.6% 98%
Total Capital Ratio 43.1%
+17.8pp YoY
-0.2pp QoQ
 +23.1pp 19.9% 19.8% 20.8% 97%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Full-Time Employees 55
0 YoY
0 QoQ
 -4 58 336 482 58%
Assets per Employee ($) $15.2M
+29.3% YoY
-0.5% QoQ
 +$7.7M $7.5M $11.2M $8.8M 97%
Branch Count 4
+1 (+33.3%) YoY
0 QoQ
 -1 4 20 18 42%

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 n/a n/a 0.9% 0.8% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 6.57x 20.23x n/a
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.2% 0.2% 6%

Profitability

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
ROE 11.0%
-3.6pp YoY
+4.3pp QoQ
 -1.2pp 12.2% 6.4% 11.6% 43%
Cost of Funds (YTD) 2.2%
-0.3pp YoY
0.0pp QoQ
 +0.5pp 1.7% 1.9% 1.7% 80%
Net Income ($, YTD) $12.0M
+57.5% YoY
— QoQ
 +$9.4M $2.6M $19.8M $40.4M 99%

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
#65 of 661 • Top 9.7% in tier

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

Why this signature
Return on Assets: 2.91%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk
#44 of 742 • Bottom 5.8% 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: 42.21%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 86.75%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (7 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
43
Tier 1 Capital Ratio
capital
Value: 42.21%
Peer Median: 15.91%
#43 of 2643 Top 1.6% in $100M-$1B
64
Return on Assets
profitability
Value: 2.91%
Peer Median: 1.32%
#64 of 2643 Top 2.4% in $100M-$1B
168
Total Assets
size
Value: $835.24M
Peer Median: $386.57M
#168 of 2643 Top 6.3% in $100M-$1B
280
Total Loans
size
Value: $510.30M
Peer Median: $258.35M
#280 of 2643 Top 10.6% in $100M-$1B
343
Total Deposits
size
Value: $588.23M
Peer Median: $326.73M
#343 of 2643 Top 12.9% in $100M-$1B

Top Weaknesses (2 metrics)

2429
Non-Interest Income / Assets
revenue_mix
Value: 0.06%
Peer Median: 0.57%
#2429 of 2643 Bottom 8.1% in $100M-$1B
2233
Net Interest Margin
profitability
Value: 3.19%
Peer Median: 3.99%
#2233 of 2643 Bottom 15.6% in $100M-$1B
Powered by BlastPoint © 2026