BlastPoint's Banking Scorecard

Safra National Bank of New York

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

New York, NY

6 branches across FL · CA · MA · NY

137 banks in the $10B-$250B peer group nationally 11 in NY

Safra National Bank of New York has 2 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 1.02% below tier average
+ Nonperforming Asset Ratio 0.72% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 13.3% in tier
- Cost Spiral: Bottom 35.7% in tier
- Net Interest Margin 1.69% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$12.2B +9.5% YoY -2.5% QoQ	-$34.8B	$47.0B -1.9% YoY	$19.3B +17.3% YoY	$6.2B +9.1% YoY	Bottom 8.8% in tier
Total Loans ?	$3.6B +27.4% YoY +9.9% QoQ	-$25.8B	$29.4B -0.4% YoY	$8.1B +14.6% YoY	$3.2B +10.8% YoY	Bottom 2.2% in tier
Total Deposits ?	$10.4B +10.4% YoY -3.4% QoQ	-$28.0B	$38.4B -1.6% YoY	$15.1B +16.0% YoY	$4.8B +8.2% YoY	Bottom 12.4% in tier
Return on Assets ?	0.94% -21.0% YoY +1.3% QoQ	-0.34%	1.28% +18.7% YoY	0.86% +14.3% YoY	1.23% +13.4% YoY	26%
Net Interest Margin ?	2.08% -6.4% YoY -1.5% QoQ	-1.69%	3.77% +5.8% YoY	3.45% +7.0% YoY	3.89% +5.7% YoY	Bottom 8.0% in tier
Efficiency Ratio ?	63.35% +16.4% YoY -1.0% QoQ	+9.35%	54.01% -3.7% YoY	69.17% -3.6% YoY	66.95% -4.1% YoY	24%
Delinquency Rate ?	0.00% -100.0% YoY	-1.02%	1.02% -3.8% YoY	1.13% +6.9% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	34.60% +15.4% YoY +13.7% QoQ	-46.19%	80.79% +1.9% YoY	77.98% +0.4% YoY	76.70% +0.9% YoY	Top 4.4% in tier
Non-Interest-Bearing Deposit Share ?	22.27% +8.9% YoY -3.5% QoQ	+2.23%	20.04% +0.2% YoY	21.94% +1.2% YoY	22.01% -1.2% YoY	49%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.72%	0.72% +4.2% YoY	0.73% +4.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	23.54% -10.1% YoY +5.4% QoQ	+8.02%	15.51% -0.4% YoY	24.83% +10.8% YoY	17.06% +0.8% YoY	Top 7.3% in tier
Non-Interest Income / Assets ?	0.37% -26.7% YoY -76.0% QoQ	+0.15%	0.22% +0.3% YoY	0.21% +9.1% YoY	0.32% +4.1% YoY	Top 12.4% in tier

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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)

Margin Compression

decline

#3 of 15 • Bottom 13.3% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 0.94%

(Tier: 1.28%, National: 1.23%)

worse than tier avg

15 of 15 Large banks match · 407 nationally

↑ Growing +94 banks QoQ

Cost Spiral

risk

#6 of 14 • Bottom 35.7% 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: 63.35%

(Tier: 54.01%, National: 66.95%)

worse than tier avg

14 of 14 Large 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 137 peers in $10B-$250B

Top Strengths (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.02%

#1 of 136 Top 0.1% in $10B-$250B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.72%

#1 of 137 Top 0.1% in $10B-$250B

Loan-to-Deposit Ratio

liquidity

Value: 34.60%

Peer Median: 80.79%

#7 of 137 Top 4.4% in $10B-$250B

Tier 1 Capital Ratio

capital

Value: 23.54%

Peer Median: 15.51%

#11 of 137 Top 7.3% in $10B-$250B

Non-Interest Income / Assets

revenue_mix

Value: 0.37%

Peer Median: 0.22%

#18 of 137 Top 12.4% in $10B-$250B

Top Weaknesses (5 metrics)

135

Total Loans

size

Value: $3.60B

Peer Median: $29.36B

#135 of 137 Bottom 2.2% in $10B-$250B

127

Net Interest Margin

profitability

Value: 2.08%

Peer Median: 3.77%

#127 of 137 Bottom 8.0% in $10B-$250B

126

Total Assets

size

Value: $12.15B

Peer Median: $46.96B

#126 of 137 Bottom 8.8% in $10B-$250B

121

Total Deposits

size

Value: $10.40B

Peer Median: $38.42B

#121 of 137 Bottom 12.4% in $10B-$250B

105

Efficiency Ratio

profitability

Value: 63.35%

Peer Median: 54.01%

#105 of 137 Bottom 24.1% in $10B-$250B