BlastPoint's Banking Scorecard

Ascendia Bank

$100M-$1B Specialty: Commercial NJ FDIC cert 28729

Designations: ✓ Mutual

Glen Rock, NJ

5 branches across NJ

2664 banks in the $100M-$1B peer group nationally 23 in NJ

Ascendia Bank has 1 strength but faces 4 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 0.83% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 29.4% in tier
- Return on Assets 1.13% below tier average
- Net Interest Margin 1.44% below tier average
- Efficiency Ratio 30.28% above tier average

Get updates when Ascendia Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Total Assets ?	$388.2M -1.5% YoY +2.7% QoQ	+$2.1M	$386.1M +0.5% YoY	$4.1B +2.0% YoY	$6.2B +9.1% YoY	60%
Total Loans ?	$314.9M -0.4% YoY +2.2% QoQ	+$59.2M	$255.7M +1.1% YoY	$3.1B +1.9% YoY	$3.2B +10.8% YoY	70%
Total Deposits ?	$311.3M +6.7% YoY +5.1% QoQ	-$16.7M	$328.0M +0.1% YoY	$3.3B +2.8% YoY	$4.8B +8.2% YoY	56%
Return on Assets ?	0.14% +405.7% YoY +186.4% QoQ	-1.13%	1.27% +12.9% YoY	0.42% -40.1% YoY	1.23% +13.4% YoY	Bottom 5.4% in tier
Net Interest Margin ?	2.49% +20.2% YoY +9.5% QoQ	-1.44%	3.93% +6.0% YoY	3.07% +6.4% YoY	3.89% +5.7% YoY	Bottom 3.1% in tier
Efficiency Ratio ?	95.57% -14.6% YoY -7.5% QoQ	+30.28%	65.29% -4.5% YoY	81.63% +9.7% YoY	66.95% -4.1% YoY	Bottom 3.8% in tier
Delinquency Rate ?	0.05% -74.2% YoY -4.4% QoQ	-0.83%	0.89% +18.8% YoY	0.74% -28.2% YoY	0.95% +18.8% YoY	79%
Loan-to-Deposit Ratio ?	101.15% -6.6% YoY -2.8% QoQ	+24.51%	76.64% +0.8% YoY	82.02% -3.5% YoY	76.70% +0.9% YoY	Bottom 7.4% in tier
Non-Interest-Bearing Deposit Share ?	10.14% -0.1% YoY +3.1% QoQ	-11.88%	22.02% -1.0% YoY	16.85% -1.4% YoY	22.01% -1.2% YoY	Bottom 11.1% in tier
Nonperforming Asset Ratio ?	0.04% -73.9% YoY -4.8% QoQ	-0.59%	0.64% +19.7% YoY	0.57% -26.7% YoY	0.67% +19.3% YoY	79%
Tier 1 Capital Ratio ?	14.03% +3.0% YoY -3.7% QoQ	-1.80%	15.83% +1.5% YoY	20.47% +20.0% YoY	17.06% +0.8% YoY	57%
Non-Interest Income / Assets ?	0.04% -15.0% YoY -77.7% QoQ	-0.24%	0.28% +9.3% YoY	0.39% -6.4% YoY	0.32% +4.1% YoY	Bottom 14.6% 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 (1)

Liquidity Strain

risk

#190 of 643 • Bottom 29.4% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 101.15%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (2 metrics)

563

Nonperforming Asset Ratio

credit_quality

Value: 0.04%

Peer Median: 0.64%

#563 of 2664 Top 21.1% in $100M-$1B

567

Delinquency Rate

credit_quality

Value: 0.05%

Peer Median: 0.89%

#567 of 2654 Top 21.3% in $100M-$1B

Top Weaknesses (6 metrics)

2583

Net Interest Margin

profitability

Value: 2.49%

Peer Median: 3.93%

#2583 of 2664 Bottom 3.1% in $100M-$1B

2565

Efficiency Ratio

profitability

Value: 95.57%

Peer Median: 65.29%

#2565 of 2664 Bottom 3.8% in $100M-$1B

2521

Return on Assets

profitability

Value: 0.14%

Peer Median: 1.27%

#2521 of 2664 Bottom 5.4% in $100M-$1B

2467

Loan-to-Deposit Ratio

liquidity

Value: 101.15%

Peer Median: 76.64%

#2467 of 2664 Bottom 7.4% in $100M-$1B

2369

Non-Interest-Bearing Deposit Share

funding

Value: 10.14%

Peer Median: 22.02%

#2369 of 2664 Bottom 11.1% in $100M-$1B

2277

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2277 of 2664 Bottom 14.6% in $100M-$1B