BlastPoint's Banking Scorecard

Safra National Bank of New York

$10B-$250B Specialty: Other NY FDIC cert 26876

New York, NY

7 branches across FL · CA · MA · NY

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 139 banks in the $10B-$250B peer group nationwide — 1 of 10 in NY.
Deposits +53.0% year over year ($13.9B on the books).
Delinquency rate 0.00%.
Return on assets 0.92%.
Efficiency ratio 60.98% vs a 53.67% peer average.
Loan-to-deposit ratio 26.25% vs a 82.61% peer average.

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

139 banks in the $10B-$250B peer group nationally 10 in NY

View $10B-$250B leaderboard (NY) →

Safra National Bank of New York has 3 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

+ Delinquency Rate 1.01% below tier average
+ Non-Interest-Bearing Deposit Share 15.41% above tier average
+ Nonperforming Asset Ratio 0.73% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 2.03% below tier average
- ROA 0.47% below tier average
- Efficiency Ratio 7.31% above tier average

Get updates when Safra National Bank of New York releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$15.7B +45.3% YoY +29.1% QoQ	-$27.9B	$43.6B -13.8% YoY	$19.3B +10.2% YoY	$6.3B +7.7% YoY	26%
Total Loans ?	$3.6B +25.0% YoY +1.3% QoQ	-$24.3B	$28.0B -8.6% YoY	$8.2B +12.4% YoY	$3.2B +9.4% YoY	Bottom 2.9% in tier
Total Deposits ?	$13.9B +53.0% YoY +33.5% QoQ	-$21.5B	$35.4B -14.0% YoY	$14.8B +8.7% YoY	$4.9B +7.3% YoY	28%
Return on Assets ?	0.92% +8.1% YoY -1.5% QoQ	-0.47%	1.39% +25.9% YoY	0.94% +14.0% YoY	1.30% +12.1% YoY	17%
Net Interest Margin ?	1.89% -13.7% YoY -9.2% QoQ	-2.03%	3.92% +8.9% YoY	3.52% +6.2% YoY	3.95% +4.9% YoY	Bottom 5.0% in tier
Efficiency Ratio ?	60.98% -5.6% YoY -3.7% QoQ	+7.31%	53.67% -1.9% YoY	67.96% -1.8% YoY	70.05% +2.5% YoY	25%
Delinquency Rate ?	0.00% -100.0% YoY	-1.01%	1.01% -2.8% YoY	1.19% +15.7% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	26.25% -18.3% YoY -24.1% QoQ	-56.36%	82.61% +3.1% YoY	79.34% +1.1% YoY	79.03% +2.3% YoY	Top 2.2% in tier
Non-Interest-Bearing Deposit Share ?	36.00% +66.3% YoY +61.6% QoQ	+15.41%	20.58% +4.9% YoY	22.09% +0.6% YoY	21.98% -0.6% YoY	Top 2.9% in tier
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.73%	0.73% +5.8% YoY	0.79% +14.5% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	23.40% -9.8% YoY -0.6% QoQ	+8.05%	15.35% -0.4% YoY	23.90% +5.3% YoY	17.09% +0.8% YoY	Top 5.8% in tier
Non-Interest Income / Assets ?	0.67% -13.3% YoY +78.3% QoQ	+0.17%	0.50% +10.5% YoY	0.52% +23.2% YoY	0.66% +5.2% YoY	85%

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 (NY)	National Avg	Tier Percentile
Noninterest-Bearing	36.0% +14.3pp YoY +13.7pp QoQ	+15.0pp	21.0%	22.1%	22.2%	96%
Brokered Deposits	34.2% -10.1pp YoY -11.3pp QoQ	+25.0pp	9.2%	8.0%	8.5%	96%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
C&I	0.0% -40.8pp YoY -46.9pp QoQ	-17.2pp	17.2%	11.0%	12.5%	1%
CRE	n/a	n/a	42.0%	46.2%	41.4%	n/a
1-4 Family	0.6% +0.1pp YoY 0.0pp QoQ	-22.5pp	23.1%	36.6%	31.3%	2%
Consumer	0.4% +0.1pp YoY 0.0pp QoQ	-12.5pp	12.9%	5.1%	5.0%	21%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
CET1 Ratio	23.4% -2.5pp YoY -0.1pp QoQ	+8.1pp	15.3%	26.1%	19.7%	94%
Leverage Ratio	8.6% -1.4pp YoY -0.2pp QoQ	-1.9pp	10.4%	13.9%	12.6%	12%
Total Capital Ratio	24.1% -2.5pp YoY -0.1pp QoQ	+7.6pp	16.5%	27.2%	20.8%	94%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Full-Time Employees	389 +25 (+6.9%) YoY 0 QoQ	-2,869	3,258	914	482	9%
Assets per Employee ($)	$40.3M +36.0% YoY +29.1% QoQ	+$13.3M	$27.0M	$14.8M	$8.8M	87%
Branch Count	6 0 YoY 0 QoQ	-132	137	27	18	21%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.4%	0.1%	0.4%	n/a
Nonaccrual	n/a	n/a	0.7%	1.3%	1.0%	n/a
Allowance Coverage	n/a	n/a	2.81x	1.92x	20.23x	n/a
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.4pp	0.4%	0.1%	0.2%	6%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
ROE	9.2% +1.9pp YoY +0.6pp QoQ	-3.4pp	12.6%	7.9%	11.6%	32%
Cost of Funds (YTD)	2.3% -0.7pp YoY -0.2pp QoQ	+0.4pp	2.0%	1.8%	1.7%	72%
Net Income ($, YTD)	$62.0M +31.2% YoY — QoQ	-$234.9M	$296.8M	$111.2M	$40.4M	11%

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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 (0)

No matched concern signatures this quarter

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 139 peers in $10B-$250B

Top Strengths (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.01%

#1 of 138 Top 0.1% in $10B-$250B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.73%

#1 of 139 Top 0.1% in $10B-$250B

Loan-to-Deposit Ratio

liquidity

Value: 26.25%

Peer Median: 82.61%

#4 of 139 Top 2.2% in $10B-$250B

Non-Interest-Bearing Deposit Share

funding

Value: 36.00%

Peer Median: 20.58%

#5 of 139 Top 2.9% in $10B-$250B

Tier 1 Capital Ratio

capital

Value: 23.40%

Peer Median: 15.35%

#9 of 139 Top 5.8% in $10B-$250B

Non-Interest Income / Assets

revenue_mix

Value: 0.67%

Peer Median: 0.50%

#22 of 139 Top 15.1% in $10B-$250B

Top Weaknesses (3 metrics)

136

Total Loans

size

Value: $3.64B

Peer Median: $27.97B

#136 of 139 Bottom 2.9% in $10B-$250B

133

Net Interest Margin

profitability

Value: 1.89%

Peer Median: 3.92%

#133 of 139 Bottom 5.0% in $10B-$250B

116

Return on Assets

profitability

Value: 0.92%

Peer Median: 1.39%

#116 of 139 Bottom 17.3% in $10B-$250B