BlastPoint's Banking Scorecard
Northfield Bank
Designations: ✓ Community bank
Staten Island, NY
37 branches across NY · NJ
Northfield Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 8.74% below tier average
- + Delinquency Rate 0.27% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 0.6% in tier
- - Flatlined Growth: Bottom 34.0% in tier
- - ROA 0.38% below tier average
- - Net Interest Margin 1.04% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.7B
+0.4% YoY
-0.3% QoQ
|
+$2.9B |
$2.8B
-0.1% YoY
|
$19.3B
+17.3% YoY
|
$6.2B
+9.1% YoY
|
Top 11.5% in tier |
| Total Loans ? |
$3.8B
-4.8% YoY
-1.2% QoQ
|
+$1.8B |
$2.0B
+0.6% YoY
|
$8.1B
+14.6% YoY
|
$3.2B
+10.8% YoY
|
Top 13.6% in tier |
| Total Deposits ? |
$4.1B
-1.4% YoY
+1.8% QoQ
|
+$1.8B |
$2.3B
-0.3% YoY
|
$15.1B
+16.0% YoY
|
$4.8B
+8.2% YoY
|
Top 14.5% in tier |
| Return on Assets ? |
0.99%
+67.1% YoY
|
-0.38% |
1.37%
+19.6% YoY
|
0.86%
+14.3% YoY
|
1.23%
+13.4% YoY
|
32% |
| Net Interest Margin ? |
2.78%
+14.1% YoY
+6.3% QoQ
|
-1.04% |
3.82%
+6.9% YoY
|
3.45%
+7.0% YoY
|
3.89%
+5.7% YoY
|
Bottom 10.2% in tier |
| Efficiency Ratio ? |
52.32%
-12.7% YoY
-36.7% QoQ
|
-8.74% |
61.06%
-4.6% YoY
|
69.17%
-3.6% YoY
|
66.95%
-4.1% YoY
|
72% |
| Delinquency Rate ? |
0.62%
+13.9% YoY
+31.2% QoQ
|
-0.27% |
0.89%
+14.1% YoY
|
1.13%
+6.9% YoY
|
0.95%
+18.8% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
91.50%
-3.5% YoY
-3.0% QoQ
|
+7.29% |
84.20%
+0.3% YoY
|
77.98%
+0.4% YoY
|
76.70%
+0.9% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
18.50%
+1.1% YoY
-3.6% QoQ
|
-2.79% |
21.29%
-2.5% YoY
|
21.94%
+1.2% YoY
|
22.01%
-1.2% YoY
|
43% |
| Nonperforming Asset Ratio ? |
0.41%
+8.0% YoY
+29.9% QoQ
|
-0.27% |
0.67%
+15.6% YoY
|
0.73%
+4.5% YoY
|
0.67%
+19.3% YoY
|
52% |
| Tier 1 Capital Ratio ? |
13.08%
+3.7% YoY
+1.9% QoQ
|
-2.08% |
15.16%
+2.0% YoY
|
24.83%
+10.8% YoY
|
17.06%
+0.8% YoY
|
50% |
| Non-Interest Income / Assets ? |
0.06%
+12.5% YoY
-79.8% QoQ
|
-0.20% |
0.26%
+1.6% YoY
|
0.21%
+9.1% YoY
|
0.32%
+4.1% YoY
|
Bottom 13.5% in tier |
Get Full Access to Northfield Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (2)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.