BlastPoint's Banking Scorecard

Schuyler Savings Bank

$100M-$1B Specialty: Mortgage NJ FDIC cert 30072

Designations: ✓ Mutual

Kearny, NJ

2 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 +10.0% year over year ($118.0M on the books).
Delinquency rate 0.36%.
Return on assets 0.20%.
Efficiency ratio 90.92% vs a 64.48% peer average.
Loan-to-deposit ratio 107.58% 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) →

Schuyler Savings Bank has 1 strength but faces 6 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 0.56% below tier average

Key Concerns

Areas that may need attention

- Return on Assets 1.13% below tier average
- Net Interest Margin 1.38% below tier average
- Efficiency Ratio 26.44% above tier average
- Loan-to-Deposit Ratio 29.63% above tier average
- Non-Interest-Bearing Deposit Share 20.00% below tier average
- Non-Interest Income / Assets 0.51% below tier average

Get updates when Schuyler Savings 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 ?	$151.2M +9.6% YoY +1.0% QoQ	-$235.4M	$386.6M +1.2% YoY	$4.4B +7.9% YoY	$6.3B +7.7% YoY	Bottom 14.5% in tier
Total Loans ?	$127.0M +13.1% YoY +4.4% QoQ	-$131.4M	$258.3M +1.7% YoY	$3.3B +6.8% YoY	$3.2B +9.4% YoY	27%
Total Deposits ?	$118.0M +10.0% YoY +1.2% QoQ	-$208.7M	$326.7M +0.7% YoY	$3.6B +8.2% YoY	$4.9B +7.3% YoY	Bottom 11.2% in tier
Return on Assets ?	0.20% +165.8% YoY -5.8% QoQ	-1.13%	1.32% +10.8% YoY	0.53% -11.1% YoY	1.30% +12.1% YoY	Bottom 5.5% in tier
Net Interest Margin ?	2.60% +14.7% YoY +2.6% QoQ	-1.38%	3.99% +5.0% YoY	3.11% +4.3% YoY	3.95% +4.9% YoY	Bottom 3.7% in tier
Efficiency Ratio ?	90.92% -6.5% YoY +1.0% QoQ	+26.44%	64.48% -3.2% YoY	78.52% +3.6% YoY	70.05% +2.5% YoY	Bottom 5.1% in tier
Delinquency Rate ?	0.36% -37.7% YoY -18.4% QoQ	-0.56%	0.92% +15.7% YoY	0.69% -16.2% YoY	0.98% +16.3% YoY	54%
Loan-to-Deposit Ratio ?	107.58% +2.9% YoY +3.1% QoQ	+29.63%	77.95% +1.0% YoY	81.90% -3.2% YoY	79.03% +2.3% YoY	Bottom 4.5% in tier
Non-Interest-Bearing Deposit Share ?	2.03% -15.2% YoY +22.0% QoQ	-20.00%	22.03% -0.6% YoY	16.56% -0.1% YoY	21.98% -0.6% YoY	Bottom 1.6% in tier
Nonperforming Asset Ratio ?	0.30% -35.7% YoY -15.7% QoQ	-0.37%	0.67% +16.4% YoY	0.61% -0.3% YoY	0.69% +15.8% YoY	51%
Tier 1 Capital Ratio ?	14.07% -5.6% YoY +0.9% QoQ	-1.84%	15.91% +1.4% YoY	19.31% +2.7% YoY	17.09% +0.8% YoY	58%
Non-Interest Income / Assets ?	0.06% -6.6% YoY +102.7% QoQ	-0.51%	0.57% +7.6% YoY	0.77% -2.9% YoY	0.66% +5.2% YoY	Bottom 6.8% 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	2.0% -0.4pp YoY +0.4pp QoQ	-20.1pp	22.1%	16.6%	22.2%	1%
Brokered Deposits	9.3% +1.8pp YoY -1.0pp QoQ	+1.5pp	7.9%	10.1%	8.5%	73%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
C&I	n/a	n/a	11.6%	6.5%	12.5%	n/a
CRE	n/a	n/a	39.5%	56.3%	41.4%	n/a
1-4 Family	81.3% +3.2pp YoY +0.7pp QoQ	+48.7pp	32.6%	39.4%	31.3%	97%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-4.1pp	4.1%	4.3%	5.0%	3%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	18.8%	19.7%	n/a
Leverage Ratio	14.1% -0.8pp YoY +0.1pp QoQ	+1.9pp	12.2%	13.4%	12.6%	82%
Total Capital Ratio	n/a	n/a	19.9%	19.8%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Full-Time Employees	14 -2 (-12.5%) YoY -1 (-6.7%) QoQ	-45	58	336	482	3%
Assets per Employee ($)	$10.8M +25.2% YoY +8.2% QoQ	+$3.3M	$7.5M	$11.2M	$8.8M	89%
Branch Count	2 0 YoY 0 QoQ	-3	4	20	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	0.4% -0.2pp YoY -0.1pp QoQ	-0.6pp	0.9%	0.8%	1.0%	43%
Allowance Coverage	2.27x +44.7% YoY +17.5% QoQ	-21.88x	24.15x	6.57x	20.23x	51%
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	1.4% +0.9pp YoY -0.1pp QoQ	-10.8pp	12.2%	6.4%	11.6%	5%
Cost of Funds (YTD)	2.2% -0.1pp YoY 0.0pp QoQ	+0.5pp	1.7%	1.9%	1.7%	82%
Net Income ($, YTD)	$146,000 +186.3% YoY — QoQ	-$2.4M	$2.6M	$19.8M	$40.4M	4%

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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 (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 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (8 metrics)

2601

Non-Interest-Bearing Deposit Share

funding

Value: 2.03%

Peer Median: 22.03%

#2601 of 2643 Bottom 1.6% in $100M-$1B

2546

Net Interest Margin

profitability

Value: 2.60%

Peer Median: 3.99%

#2546 of 2643 Bottom 3.7% in $100M-$1B

2526

Loan-to-Deposit Ratio

liquidity

Value: 107.58%

Peer Median: 77.95%

#2526 of 2643 Bottom 4.5% in $100M-$1B

2508

Efficiency Ratio

profitability

Value: 90.92%

Peer Median: 64.48%

#2508 of 2643 Bottom 5.1% in $100M-$1B

2498

Return on Assets

profitability

Value: 0.20%

Peer Median: 1.32%

#2498 of 2643 Bottom 5.5% in $100M-$1B

2465

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.57%

#2465 of 2643 Bottom 6.8% in $100M-$1B

2349

Total Deposits

size

Value: $118.04M

Peer Median: $326.73M

#2349 of 2643 Bottom 11.2% in $100M-$1B

2262

Total Assets

size

Value: $151.21M

Peer Median: $386.57M

#2262 of 2643 Bottom 14.5% in $100M-$1B