BlastPoint's Banking Scorecard
Northfield Bank
Designations: ✓ Community bank
Staten Island, 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 885 banks in the $1B-$10B peer group nationwide — 1 of 40 in NY.
- Deposits -0.6% year over year ($4.0B on the books).
- Delinquency rate 0.63%.
- Return on assets 0.94%.
- Efficiency ratio 52.25% vs a 59.73% peer average.
- Loan-to-deposit ratio 91.69% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Northfield Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 7.47% below tier average
- + Delinquency Rate 0.24% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 0.8% in tier
- - ROA 0.45% below tier average
- - Net Interest Margin 1.01% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.5B
-3.1% YoY
-4.1% QoQ
|
+$2.7B |
$2.8B
-0.6% YoY
|
$19.3B
+10.2% YoY
|
$6.3B
+7.7% YoY
|
Top 11.9% in tier |
| Total Loans ? |
$3.7B
-5.4% YoY
-2.6% QoQ
|
+$1.7B |
$2.0B
-0.3% YoY
|
$8.2B
+12.4% YoY
|
$3.2B
+9.4% YoY
|
Top 13.3% in tier |
| Total Deposits ? |
$4.0B
-0.6% YoY
-2.8% QoQ
|
+$1.7B |
$2.3B
-0.5% YoY
|
$14.8B
+8.7% YoY
|
$4.9B
+7.3% YoY
|
Top 14.7% in tier |
| Return on Assets ? |
0.94%
+44.1% YoY
-4.6% QoQ
|
-0.45% |
1.39%
+17.0% YoY
|
0.94%
+14.0% YoY
|
1.30%
+12.1% YoY
|
26% |
| Net Interest Margin ? |
2.86%
+12.9% YoY
+3.0% QoQ
|
-1.01% |
3.87%
+6.2% YoY
|
3.52%
+6.2% YoY
|
3.95%
+4.9% YoY
|
Bottom 10.6% in tier |
| Efficiency Ratio ? |
52.25%
-11.1% YoY
-0.1% QoQ
|
-7.47% |
59.73%
-12.6% YoY
|
67.96%
-1.8% YoY
|
70.05%
+2.5% YoY
|
71% |
| Delinquency Rate ? |
0.63%
+48.3% YoY
+0.8% QoQ
|
-0.24% |
0.87%
+11.7% YoY
|
1.19%
+15.7% YoY
|
0.98%
+16.3% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
91.69%
-4.9% YoY
+0.2% QoQ
|
+6.65% |
85.04%
-0.1% YoY
|
79.34%
+1.1% YoY
|
79.03%
+2.3% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
19.74%
+3.0% YoY
+6.7% QoQ
|
-1.53% |
21.27%
-1.5% YoY
|
22.09%
+0.6% YoY
|
21.98%
-0.6% YoY
|
50% |
| Nonperforming Asset Ratio ? |
0.42%
+44.7% YoY
+2.4% QoQ
|
-0.26% |
0.67%
+11.7% YoY
|
0.79%
+14.5% YoY
|
0.69%
+15.8% YoY
|
50% |
| Tier 1 Capital Ratio ? |
13.13%
+4.5% YoY
+0.3% QoQ
|
-1.72% |
14.84%
-0.4% YoY
|
23.90%
+5.3% YoY
|
17.09%
+0.8% YoY
|
50% |
| Non-Interest Income / Assets ? |
0.16%
+22.2% YoY
+172.9% QoQ
|
-0.36% |
0.53%
+2.5% YoY
|
0.52%
+23.2% YoY
|
0.66%
+5.2% YoY
|
22% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
19.7%
+0.6pp YoY +1.2pp QoQ |
-1.6pp | 21.4% | 22.1% | 22.2% | 49% |
| Brokered Deposits |
0.7%
-1.1pp YoY 0.0pp QoQ |
-8.7pp | 9.5% | 8.0% | 8.5% | 16% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.6%
+0.4pp YoY -0.1pp QoQ |
-9.4pp | 14.0% | 11.0% | 12.5% | 16% |
| CRE |
86.4%
-1.3pp YoY -0.3pp QoQ |
+36.3pp | 50.0% | 46.2% | 41.4% | 98% |
| 1-4 Family |
10.0%
+1.0pp YoY +0.4pp QoQ |
-16.4pp | 26.4% | 36.6% | 31.3% | 17% |
| Consumer |
0.0%
0.0pp YoY 0.0pp QoQ |
-4.7pp | 4.7% | 5.1% | 5.0% | 7% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 26.1% | 19.7% | n/a |
| Leverage Ratio |
13.1%
+0.6pp YoY 0.0pp QoQ |
+1.8pp | 11.3% | 13.9% | 12.6% | 86% |
| Total Capital Ratio | n/a | n/a | 16.7% | 27.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
363
-17 (-4.5%) YoY -6 (-1.6%) QoQ |
+49 | 313 | 914 | 482 | 74% |
| Assets per Employee ($) |
$15.2M
+1.4% YoY -2.5% QoQ |
+$4.7M | $10.5M | $14.8M | $8.8M | 90% |
| Branch Count |
37
0 YoY 0 QoQ |
+17 | 20 | 27 | 18 | 88% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.1% | 0.4% | 70% |
| Nonaccrual |
0.6%
+0.2pp YoY 0.0pp QoQ |
-0.3pp | 0.8% | 1.3% | 1.0% | 53% |
| Allowance Coverage |
1.61x
-27.1% YoY +1.5% QoQ |
-17.10x | 18.71x | 1.92x | 20.23x | 40% |
| Net Charge-off Rate (YTD) |
0.3%
+0.1pp YoY +0.1pp QoQ |
0.0pp | 0.3% | 0.1% | 0.2% | 85% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.3%
+2.3pp YoY -0.4pp QoQ |
-5.3pp | 12.6% | 7.9% | 11.6% | 17% |
| Cost of Funds (YTD) |
1.9%
-0.2pp YoY 0.0pp QoQ |
-0.1pp | 1.9% | 1.8% | 1.7% | 47% |
| Net Income ($, YTD) |
$26.7M
+43.6% YoY — QoQ |
+$7.4M | $19.2M | $111.2M | $40.4M | 79% |
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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 (0)
Concerns (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.