BlastPoint's Banking Scorecard

Ascendia Bank

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

Designations: ✓ Mutual

Glen Rock, NJ

5 branches across NJ

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 25 in NJ.
Deposits +4.0% year over year ($318.8M on the books).
Delinquency rate 0.13%.
Return on assets 0.24%.
Efficiency ratio 89.50% vs a 64.48% peer average.
Loan-to-deposit ratio 100.33% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 25 in NJ

View $100M-$1B leaderboard (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 0.78% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 40.5% in tier
- Return on Assets 1.08% below tier average
- Net Interest Margin 1.39% below tier average
- Efficiency Ratio 25.02% above tier average

Get updates when Ascendia Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Total Assets ?	$395.3M +1.4% YoY +1.8% QoQ	+$8.7M	$386.6M +1.2% YoY	$4.4B +7.9% YoY	$6.3B +7.7% YoY	61%
Total Loans ?	$319.8M +2.6% YoY +1.6% QoQ	+$61.5M	$258.3M +1.7% YoY	$3.3B +6.8% YoY	$3.2B +9.4% YoY	70%
Total Deposits ?	$318.8M +4.0% YoY +2.4% QoQ	-$7.9M	$326.7M +0.7% YoY	$3.6B +8.2% YoY	$4.9B +7.3% YoY	58%
Return on Assets ?	0.24% +168.9% YoY +66.5% QoQ	-1.08%	1.32% +10.8% YoY	0.53% -11.1% YoY	1.30% +12.1% YoY	Bottom 6.2% in tier
Net Interest Margin ?	2.60% +21.5% YoY +4.2% QoQ	-1.39%	3.99% +5.0% YoY	3.11% +4.3% YoY	3.95% +4.9% YoY	Bottom 3.6% in tier
Efficiency Ratio ?	89.50% -17.1% YoY -6.3% QoQ	+25.02%	64.48% -3.2% YoY	78.52% +3.6% YoY	70.05% +2.5% YoY	Bottom 6.0% in tier
Delinquency Rate ?	0.13% -40.7% YoY +147.6% QoQ	-0.78%	0.92% +15.7% YoY	0.69% -16.2% YoY	0.98% +16.3% YoY	71%
Loan-to-Deposit Ratio ?	100.33% -1.3% YoY -0.8% QoQ	+22.38%	77.95% +1.0% YoY	81.90% -3.2% YoY	79.03% +2.3% YoY	Bottom 9.9% in tier
Non-Interest-Bearing Deposit Share ?	10.06% +9.2% YoY -0.8% QoQ	-11.97%	22.03% -0.6% YoY	16.56% -0.1% YoY	21.98% -0.6% YoY	Bottom 10.7% in tier
Nonperforming Asset Ratio ?	0.11% -40.0% YoY +146.9% QoQ	-0.56%	0.67% +16.4% YoY	0.61% -0.3% YoY	0.69% +15.8% YoY	70%
Tier 1 Capital Ratio ?	13.67% +0.5% YoY -2.5% QoQ	-2.24%	15.91% +1.4% YoY	19.31% +2.7% YoY	17.09% +0.8% YoY	55%
Non-Interest Income / Assets ?	0.08% -11.4% YoY +102.0% QoQ	-0.48%	0.57% +7.6% YoY	0.77% -2.9% YoY	0.66% +5.2% YoY	Bottom 13.8% in tier

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 (NJ)	National Avg	Tier Percentile
Noninterest-Bearing	10.1% +0.9pp YoY -0.1pp QoQ	-12.1pp	22.1%	16.6%	22.2%	10%
Brokered Deposits	7.4% -0.8pp YoY +0.5pp QoQ	-0.5pp	7.9%	10.1%	8.5%	66%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
C&I	0.0% 0.0pp YoY 0.0pp QoQ	-11.5pp	11.6%	6.5%	12.5%	0%
CRE	40.2% +1.0pp YoY +0.8pp QoQ	+0.7pp	39.5%	56.3%	41.4%	54%
1-4 Family	60.4% -1.0pp YoY -0.7pp QoQ	+27.8pp	32.6%	39.4%	31.3%	90%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-4.1pp	4.1%	4.3%	5.0%	1%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
CET1 Ratio	13.7% +0.1pp YoY -0.4pp QoQ	-5.2pp	18.8%	18.8%	19.7%	36%
Leverage Ratio	9.3% +0.2pp YoY 0.0pp QoQ	-2.9pp	12.2%	13.4%	12.6%	17%
Total Capital Ratio	14.3% +0.1pp YoY -0.4pp QoQ	-5.6pp	19.9%	19.8%	20.8%	30%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Full-Time Employees	37 +1 (+2.8%) YoY -2 (-5.1%) QoQ	-22	58	336	482	37%
Assets per Employee ($)	$10.7M -1.4% YoY +7.3% QoQ	+$3.2M	$7.5M	$11.2M	$8.8M	89%
Branch Count	5 0 YoY 0 QoQ	0	4	20	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% +0.1pp YoY	-0.2pp	0.3%	0.1%	0.4%	47%
Nonaccrual	0.1% -0.2pp YoY 0.0pp QoQ	-0.9pp	0.9%	0.8%	1.0%	12%
Allowance Coverage	3.89x +64.3% YoY -59.6% QoQ	-20.27x	24.15x	6.57x	20.23x	64%
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.2%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
ROE	2.6% +6.4pp YoY +1.0pp QoQ	-9.6pp	12.2%	6.4%	11.6%	7%
Cost of Funds (YTD)	2.6% -0.3pp YoY 0.0pp QoQ	+0.9pp	1.7%	1.9%	1.7%	92%
Net Income ($, YTD)	$461,000 +168.0% YoY — QoQ	-$2.1M	$2.6M	$19.8M	$40.4M	10%

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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

#281 of 691 • Bottom 40.5% 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: 100.33%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 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 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (6 metrics)

2549

Net Interest Margin

profitability

Value: 2.60%

Peer Median: 3.99%

#2549 of 2643 Bottom 3.6% in $100M-$1B

2485

Efficiency Ratio

profitability

Value: 89.50%

Peer Median: 64.48%

#2485 of 2643 Bottom 6.0% in $100M-$1B

2480

Return on Assets

profitability

Value: 0.24%

Peer Median: 1.32%

#2480 of 2643 Bottom 6.2% in $100M-$1B

2383

Loan-to-Deposit Ratio

liquidity

Value: 100.33%

Peer Median: 77.95%

#2383 of 2643 Bottom 9.9% in $100M-$1B

2360

Non-Interest-Bearing Deposit Share

funding

Value: 10.06%

Peer Median: 22.03%

#2360 of 2643 Bottom 10.7% in $100M-$1B

2278

Non-Interest Income / Assets

revenue_mix

Value: 0.08%

Peer Median: 0.57%

#2278 of 2643 Bottom 13.8% in $100M-$1B