BlastPoint's Banking Scorecard

Blue Foundry Bank

$1B-$10B Specialty: Commercial NJ FDIC cert 30052

Designations: ✓ Community bank

Rutherford, NJ

21 branches across NJ

884 banks in the $1B-$10B peer group nationally 20 in NJ

Blue Foundry Bank has 1 strength but faces 7 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 0.44% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 13.8% in tier
- Liquidity Overhang: Bottom 14.4% in tier
- Efficiency Drag: Bottom 20.3% in tier
- Return on Assets 2.33% below tier average
- Net Interest Margin 1.48% below tier average
- Non-Interest-Bearing Deposit Share 17.97% below tier average
- Non-Interest Income / Assets 0.24% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Total Assets ?	$2.1B +2.2% YoY -1.3% QoQ	-$681.7M	$2.8B -0.1% YoY	$4.1B +2.0% YoY	$6.2B +9.1% YoY	54%
Total Loans ?	$1.7B +4.0% YoY +0.0% QoQ	-$288.3M	$2.0B +0.6% YoY	$3.1B +1.9% YoY	$3.2B +10.8% YoY	59%
Total Deposits ?	$1.5B +8.1% YoY +0.5% QoQ	-$798.8M	$2.3B -0.3% YoY	$3.3B +2.8% YoY	$4.8B +8.2% YoY	47%
Return on Assets ?	-0.96% -126.0% YoY -230.6% QoQ	-2.33%	1.37% +19.6% YoY	0.42% -40.1% YoY	1.23% +13.4% YoY	Bottom 0.9% in tier
Net Interest Margin ?	2.34% +7.7% YoY -0.0% QoQ	-1.48%	3.82% +6.9% YoY	3.07% +6.4% YoY	3.89% +5.7% YoY	Bottom 3.6% in tier
Efficiency Ratio ?	132.33% +12.3% YoY +22.6% QoQ	+71.27%	61.06% -4.6% YoY	81.63% +9.7% YoY	66.95% -4.1% YoY	Bottom 0.8% in tier
Delinquency Rate ?	0.45% +26.2% YoY -34.0% QoQ	-0.44%	0.89% +14.1% YoY	0.74% -28.2% YoY	0.95% +18.8% YoY	57%
Loan-to-Deposit Ratio ?	108.54% -3.8% YoY -0.5% QoQ	+24.34%	84.20% +0.3% YoY	82.02% -3.5% YoY	76.70% +0.9% YoY	Bottom 5.1% in tier
Non-Interest-Bearing Deposit Share ?	3.32% -37.3% YoY -7.0% QoQ	-17.97%	21.29% -2.5% YoY	16.85% -1.4% YoY	22.01% -1.2% YoY	Bottom 2.7% in tier
Nonperforming Asset Ratio ?	0.55% +102.3% YoY +5.4% QoQ	-0.12%	0.67% +15.6% YoY	0.57% -26.7% YoY	0.67% +19.3% YoY	40%
Tier 1 Capital Ratio ?	18.46% -0.7% YoY +3.0% QoQ	+3.30%	15.16% +2.0% YoY	20.47% +20.0% YoY	17.06% +0.8% YoY	Top 10.7% in tier
Non-Interest Income / Assets ?	0.02% +5.6% YoY -75.4% QoQ	-0.24%	0.26% +1.6% YoY	0.39% -6.4% YoY	0.32% +4.1% YoY	Bottom 2.1% 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 (3)

Credit Risk Growth

risk

#59 of 420 • Bottom 13.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

420 of 420 Mid-Market banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Liquidity Overhang

risk

#26 of 174 • Bottom 14.4% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 18.46%

(Tier: 15.16%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 108.54%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

174 of 174 Mid-Market banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Efficiency Drag

risk

#16 of 74 • Bottom 20.3% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 132.33%

(Tier: 61.06%, National: 66.95%)

worse than tier avg

74 of 74 Mid-Market banks match · 492 nationally

→ Stable | QoQ rank improving

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 (1 metrics)

Tier 1 Capital Ratio

capital

Value: 18.46%

Peer Median: 15.16%

#96 of 884 Top 10.7% in $1B-$10B

Top Weaknesses (6 metrics)

878

Efficiency Ratio

profitability

Value: 132.33%

Peer Median: 61.06%

#878 of 884 Bottom 0.8% in $1B-$10B

877

Return on Assets

profitability

Value: -0.96%

Peer Median: 1.37%

#877 of 884 Bottom 0.9% in $1B-$10B

866

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.26%

#866 of 884 Bottom 2.1% in $1B-$10B

861

Non-Interest-Bearing Deposit Share

funding

Value: 3.32%

Peer Median: 21.29%

#861 of 884 Bottom 2.7% in $1B-$10B

853

Net Interest Margin

profitability

Value: 2.34%

Peer Median: 3.82%

#853 of 884 Bottom 3.6% in $1B-$10B

840

Loan-to-Deposit Ratio

liquidity

Value: 108.54%

Peer Median: 84.20%

#840 of 884 Bottom 5.1% in $1B-$10B