BlastPoint's Banking Scorecard

Cross County Savings Bank

$100M-$1B Specialty: Mortgage NY FDIC cert 30260

Designations: ✓ Mutual

Middle Village, NY

6 branches across NY

2664 banks in the $100M-$1B peer group nationally 51 in NY

Cross County Savings Bank faces 5 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 8.4% in tier
- Liquidity Overhang: Bottom 24.0% in tier
- Efficiency Drag: Bottom 41.8% in tier
- ROA 0.86% below tier average
- Delinquency Rate 0.23% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$538.2M +0.3% YoY +1.6% QoQ	+$152.1M	$386.1M +0.5% YoY	$19.3B +17.3% YoY	$6.2B +9.1% YoY	75%
Total Loans ?	$399.1M -1.6% YoY -0.2% QoQ	+$143.4M	$255.7M +1.1% YoY	$8.1B +14.6% YoY	$3.2B +10.8% YoY	79%
Total Deposits ?	$458.9M -0.5% YoY +1.5% QoQ	+$131.0M	$328.0M +0.1% YoY	$15.1B +16.0% YoY	$4.8B +8.2% YoY	76%
Return on Assets ?	0.41% +11.7% YoY -23.2% QoQ	-0.86%	1.27% +12.9% YoY	0.86% +14.3% YoY	1.23% +13.4% YoY	Bottom 10.8% in tier
Net Interest Margin ?	3.89% +2.9% YoY +2.0% QoQ	-0.04%	3.93% +6.0% YoY	3.45% +7.0% YoY	3.89% +5.7% YoY	51%
Efficiency Ratio ?	86.25% -1.1% YoY +4.0% QoQ	+20.96%	65.29% -4.5% YoY	69.17% -3.6% YoY	66.95% -4.1% YoY	Bottom 9.3% in tier
Delinquency Rate ?	1.12% +73.8% YoY +3.4% QoQ	+0.23%	0.89% +18.8% YoY	1.13% +6.9% YoY	0.95% +18.8% YoY	26%
Loan-to-Deposit Ratio ?	86.97% -1.1% YoY -1.7% QoQ	+10.33%	76.64% +0.8% YoY	77.98% +0.4% YoY	76.70% +0.9% YoY	31%
Non-Interest-Bearing Deposit Share ?	19.36% +2.5% YoY +1.3% QoQ	-2.66%	22.02% -1.0% YoY	21.94% +1.2% YoY	22.01% -1.2% YoY	42%
Nonperforming Asset Ratio ?	0.83% +70.4% YoY +1.5% QoQ	+0.19%	0.64% +19.7% YoY	0.73% +4.5% YoY	0.67% +19.3% YoY	25%
Tier 1 Capital Ratio ?	20.61% +6.4% YoY +1.0% QoQ	+4.78%	15.83% +1.5% YoY	24.83% +10.8% YoY	17.06% +0.8% YoY	Top 12.0% in tier
Non-Interest Income / Assets ?	0.06% +11.3% YoY -81.9% QoQ	-0.22%	0.28% +9.3% YoY	0.21% +9.1% YoY	0.32% +4.1% YoY	25%

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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)

Flatlined Growth

risk

#44 of 512 • Bottom 8.4% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.41%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ | QoQ rank declining

Liquidity Overhang

risk

#178 of 739 • Bottom 24.0% 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: 20.61%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 86.97%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Efficiency Drag

risk

#174 of 414 • Bottom 41.8% in tier

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

Why this signature

Efficiency Ratio: 86.25%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | QoQ rank declining

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 (4 metrics)

322

Tier 1 Capital Ratio

capital

Value: 20.61%

Peer Median: 15.83%

#322 of 2664 Top 12.0% in $100M-$1B

549

Total Loans

size

Value: $399.11M

Peer Median: $255.72M

#549 of 2664 Top 20.6% in $100M-$1B

640

Total Deposits

size

Value: $458.92M

Peer Median: $327.97M

#640 of 2664 Top 24.0% in $100M-$1B

658

Total Assets

size

Value: $538.16M

Peer Median: $386.08M

#658 of 2664 Top 24.7% in $100M-$1B

Top Weaknesses (4 metrics)

2416

Efficiency Ratio

profitability

Value: 86.25%

Peer Median: 65.29%

#2416 of 2664 Bottom 9.3% in $100M-$1B

2378

Return on Assets

profitability

Value: 0.41%

Peer Median: 1.27%

#2378 of 2664 Bottom 10.8% in $100M-$1B

2008

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.28%

#2008 of 2664 Bottom 24.7% in $100M-$1B

2004

Nonperforming Asset Ratio

credit_quality

Value: 0.83%

Peer Median: 0.64%

#2004 of 2664 Bottom 24.8% in $100M-$1B