BlastPoint's Banking Scorecard

Schuyler Savings Bank

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

Designations: ✓ Mutual

Kearny, NJ

2 branches across NJ

2664 banks in the $100M-$1B peer group nationally 23 in 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 0.45% below tier average

Key Concerns

Areas that may need attention

- Return on Assets 1.06% below tier average
- Net Interest Margin 1.39% below tier average
- Efficiency Ratio 24.70% above tier average
- Loan-to-Deposit Ratio 27.68% above tier average
- Non-Interest-Bearing Deposit Share 20.35% below tier average
- Non-Interest Income / Assets 0.25% below tier average

Get updates when Schuyler Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Total Assets ?	$149.7M +7.6% YoY +1.6% QoQ	-$236.4M	$386.1M +0.5% YoY	$4.1B +2.0% YoY	$6.2B +9.1% YoY	Bottom 14.2% in tier
Total Loans ?	$121.7M +6.7% YoY -2.6% QoQ	-$134.0M	$255.7M +1.1% YoY	$3.1B +1.9% YoY	$3.2B +10.8% YoY	26%
Total Deposits ?	$116.6M +7.5% YoY +1.9% QoQ	-$211.3M	$328.0M +0.1% YoY	$3.3B +2.8% YoY	$4.8B +8.2% YoY	Bottom 11.0% in tier
Return on Assets ?	0.21% +350.6% YoY +15.1% QoQ	-1.06%	1.27% +12.9% YoY	0.42% -40.1% YoY	1.23% +13.4% YoY	Bottom 6.5% in tier
Net Interest Margin ?	2.54% +14.8% YoY +4.1% QoQ	-1.39%	3.93% +6.0% YoY	3.07% +6.4% YoY	3.89% +5.7% YoY	Bottom 3.5% in tier
Efficiency Ratio ?	89.99% -8.9% YoY -0.8% QoQ	+24.70%	65.29% -4.5% YoY	81.63% +9.7% YoY	66.95% -4.1% YoY	Bottom 6.5% in tier
Delinquency Rate ?	0.44% -50.2% YoY +2.7% QoQ	-0.45%	0.89% +18.8% YoY	0.74% -28.2% YoY	0.95% +18.8% YoY	48%
Loan-to-Deposit Ratio ?	104.31% -0.7% YoY -4.4% QoQ	+27.68%	76.64% +0.8% YoY	82.02% -3.5% YoY	76.70% +0.9% YoY	Bottom 5.3% in tier
Non-Interest-Bearing Deposit Share ?	1.67% -19.0% YoY -25.3% QoQ	-20.35%	22.02% -1.0% YoY	16.85% -1.4% YoY	22.01% -1.2% YoY	Bottom 1.3% in tier
Nonperforming Asset Ratio ?	0.36% -50.6% YoY -1.6% QoQ	-0.28%	0.64% +19.7% YoY	0.57% -26.7% YoY	0.67% +19.3% YoY	46%
Tier 1 Capital Ratio ?	13.95% -6.1% YoY -3.3% QoQ	-1.88%	15.83% +1.5% YoY	20.47% +20.0% YoY	17.06% +0.8% YoY	56%
Non-Interest Income / Assets ?	0.03% -4.8% YoY -77.7% QoQ	-0.25%	0.28% +9.3% YoY	0.39% -6.4% YoY	0.32% +4.1% YoY	Bottom 7.2% 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 (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 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (8 metrics)

2630

Non-Interest-Bearing Deposit Share

funding

Value: 1.67%

Peer Median: 22.02%

#2630 of 2664 Bottom 1.3% in $100M-$1B

2571

Net Interest Margin

profitability

Value: 2.54%

Peer Median: 3.93%

#2571 of 2664 Bottom 3.5% in $100M-$1B

2525

Loan-to-Deposit Ratio

liquidity

Value: 104.31%

Peer Median: 76.64%

#2525 of 2664 Bottom 5.3% in $100M-$1B

2491

Efficiency Ratio

profitability

Value: 89.99%

Peer Median: 65.29%

#2491 of 2664 Bottom 6.5% in $100M-$1B

2491

Return on Assets

profitability

Value: 0.21%

Peer Median: 1.27%

#2491 of 2664 Bottom 6.5% in $100M-$1B

2474

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.28%

#2474 of 2664 Bottom 7.2% in $100M-$1B

2372

Total Deposits

size

Value: $116.64M

Peer Median: $327.97M

#2372 of 2664 Bottom 11.0% in $100M-$1B

2288

Total Assets

size

Value: $149.72M

Peer Median: $386.08M

#2288 of 2664 Bottom 14.2% in $100M-$1B