BlastPoint's Banking Scorecard
Sturdy Savings Bank
Designations: ✓ Community bank
Stone Harbor, NJ
13 branches across NJ
Sturdy Savings Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.73% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 8.0% in tier
- - ROA 0.69% below tier average
- - Net Interest Margin 0.36% below tier average
- - Efficiency Ratio 12.05% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
-1.3% YoY
-0.7% QoQ
|
-$1.7B |
$2.8B
-0.1% YoY
|
$4.1B
+2.0% YoY
|
$6.2B
+9.1% YoY
|
Bottom 11.0% in tier |
| Total Loans ? |
$645.7M
+3.4% YoY
+3.8% QoQ
|
-$1.3B |
$2.0B
+0.6% YoY
|
$3.1B
+1.9% YoY
|
$3.2B
+10.8% YoY
|
Bottom 6.3% in tier |
| Total Deposits ? |
$1.0B
+1.7% YoY
-1.1% QoQ
|
-$1.3B |
$2.3B
-0.3% YoY
|
$3.3B
+2.8% YoY
|
$4.8B
+8.2% YoY
|
15% |
| Return on Assets ? |
0.68%
+91.5% YoY
+27.3% QoQ
|
-0.69% |
1.37%
+19.6% YoY
|
0.42%
-40.1% YoY
|
1.23%
+13.4% YoY
|
16% |
| Net Interest Margin ? |
3.46%
+17.1% YoY
+7.7% QoQ
|
-0.36% |
3.82%
+6.9% YoY
|
3.07%
+6.4% YoY
|
3.89%
+5.7% YoY
|
38% |
| Efficiency Ratio ? |
73.11%
-14.3% YoY
-7.3% QoQ
|
+12.05% |
61.06%
-4.6% YoY
|
81.63%
+9.7% YoY
|
66.95%
-4.1% YoY
|
18% |
| Delinquency Rate ? |
0.15%
-47.8% YoY
+175.5% QoQ
|
-0.73% |
0.89%
+14.1% YoY
|
0.74%
-28.2% YoY
|
0.95%
+18.8% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
64.56%
+1.7% YoY
+4.9% QoQ
|
-19.65% |
84.20%
+0.3% YoY
|
82.02%
-3.5% YoY
|
76.70%
+0.9% YoY
|
Top 11.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.47%
+0.4% YoY
-5.5% QoQ
|
-1.82% |
21.29%
-2.5% YoY
|
16.85%
-1.4% YoY
|
22.01%
-1.2% YoY
|
49% |
| Nonperforming Asset Ratio ? |
0.09%
-45.3% YoY
+188.0% QoQ
|
-0.58% |
0.67%
+15.6% YoY
|
0.57%
-26.7% YoY
|
0.67%
+19.3% YoY
|
Top 13.1% in tier |
| Tier 1 Capital Ratio ? |
16.11%
+6.9% YoY
-0.2% QoQ
|
+0.95% |
15.16%
+2.0% YoY
|
20.47%
+20.0% YoY
|
17.06%
+0.8% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.10%
-12.5% YoY
-76.7% QoQ
|
-0.16% |
0.26%
+1.6% YoY
|
0.39%
-6.4% YoY
|
0.32%
+4.1% YoY
|
31% |
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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)
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.