BlastPoint's Banking Scorecard

NorthEast Community Bank

$1B-$10B Specialty: Commercial NY FDIC cert 29147

Designations: ✓ Community bank

White Plains, NY

12 branches across NY · MA

884 banks in the $1B-$10B peer group nationally 38 in NY

NorthEast Community Bank has 5 strengths but faces 2 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

+ Return on Assets 0.67% above tier average
+ Net Interest Margin 1.12% above tier average
+ Efficiency Ratio 20.32% below tier average
+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 27.07% above tier average
- Non-Interest Income / Assets 0.21% below tier average

Get updates when NorthEast Community Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$2.0B +5.2% YoY -1.9% QoQ	-$795.9M	$2.8B -0.1% YoY	$19.3B +17.3% YoY	$6.2B +9.1% YoY	51%
Total Loans ?	$1.8B +6.1% YoY -1.7% QoQ	-$144.2M	$2.0B +0.6% YoY	$8.1B +14.6% YoY	$3.2B +10.8% YoY	63%
Total Deposits ?	$1.6B +2.7% YoY +0.8% QoQ	-$707.1M	$2.3B -0.3% YoY	$15.1B +16.0% YoY	$4.8B +8.2% YoY	49%
Return on Assets ?	2.03% -7.3% YoY -10.9% QoQ	+0.67%	1.37% +19.6% YoY	0.86% +14.3% YoY	1.23% +13.4% YoY	Top 9.4% in tier
Net Interest Margin ?	4.93% -3.9% YoY -6.0% QoQ	+1.12%	3.82% +6.9% YoY	3.45% +7.0% YoY	3.89% +5.7% YoY	Top 6.2% in tier
Efficiency Ratio ?	40.74% +1.2% YoY +5.0% QoQ	-20.32%	61.06% -4.6% YoY	69.17% -3.6% YoY	66.95% -4.1% YoY	Top 7.6% in tier
Delinquency Rate ?	0.00%	-0.89%	0.89% +14.1% YoY	1.13% +6.9% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	111.27% +3.3% YoY -2.5% QoQ	+27.07%	84.20% +0.3% YoY	77.98% +0.4% YoY	76.70% +0.9% YoY	Bottom 4.1% in tier
Non-Interest-Bearing Deposit Share ?	18.76% +4.5% YoY +9.5% QoQ	-2.53%	21.29% -2.5% YoY	21.94% +1.2% YoY	22.01% -1.2% YoY	45%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.67%	0.67% +15.6% YoY	0.73% +4.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	15.47% +4.6% YoY +0.7% QoQ	+0.31%	15.16% +2.0% YoY	24.83% +10.8% YoY	17.06% +0.8% YoY	77%
Non-Interest Income / Assets ?	0.05% -6.9% YoY -73.5% QoQ	-0.21%	0.26% +1.6% YoY	0.21% +9.1% YoY	0.32% +4.1% YoY	Bottom 8.7% in tier

Get Full Access to NorthEast Community Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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 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 (0)

No matched concern signatures this quarter

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 884 peers in $1B-$10B

Top Strengths (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 880 Top 0.1% in $1B-$10B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 884 Top 0.1% in $1B-$10B

Net Interest Margin

profitability

Value: 4.93%

Peer Median: 3.82%

#56 of 884 Top 6.2% in $1B-$10B

Efficiency Ratio

profitability

Value: 40.74%

Peer Median: 61.06%

#68 of 884 Top 7.6% in $1B-$10B

Return on Assets

profitability

Value: 2.03%

Peer Median: 1.37%

#84 of 884 Top 9.4% in $1B-$10B

204

Tier 1 Capital Ratio

capital

Value: 15.47%

Peer Median: 15.16%

#204 of 884 Top 23.0% in $1B-$10B

Top Weaknesses (2 metrics)

849

Loan-to-Deposit Ratio

liquidity

Value: 111.27%

Peer Median: 84.20%

#849 of 884 Bottom 4.1% in $1B-$10B

808

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.26%

#808 of 884 Bottom 8.7% in $1B-$10B