BlastPoint's Banking Scorecard

Manasquan Bank

$1B-$10B Specialty: Commercial NJ FDIC cert 30470

Designations: ✓ Community bank

Manasquan, NJ

15 branches across NJ

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

Manasquan 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 0.14% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 25.0% in tier
- Liquidity Strain: Bottom 31.4% in tier
- Capital Thin: Bottom 49.8% in tier
- Return on Assets 0.98% below tier average
- Non-Interest Income / Assets 0.21% below tier average
- Net Interest Margin 0.65% below tier average
- Efficiency Ratio 0.78% above 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 ?	$3.5B +6.4% YoY +1.0% QoQ	+$643.9M	$2.8B -0.1% YoY	$4.1B +2.0% YoY	$6.2B +9.1% YoY	76%
Total Loans ?	$2.9B +4.9% YoY +1.2% QoQ	+$898.7M	$2.0B +0.6% YoY	$3.1B +1.9% YoY	$3.2B +10.8% YoY	81%
Total Deposits ?	$3.0B +8.8% YoY +0.8% QoQ	+$651.4M	$2.3B -0.3% YoY	$3.3B +2.8% YoY	$4.8B +8.2% YoY	77%
Return on Assets ?	0.39% -48.5% YoY -54.4% QoQ	-0.98%	1.37% +19.6% YoY	0.42% -40.1% YoY	1.23% +13.4% YoY	Bottom 7.4% in tier
Net Interest Margin ?	3.16% +11.9% YoY +3.5% QoQ	-0.65%	3.82% +6.9% YoY	3.07% +6.4% YoY	3.89% +5.7% YoY	23%
Efficiency Ratio ?	61.84% -3.4% YoY +0.2% QoQ	+0.78%	61.06% -4.6% YoY	81.63% +9.7% YoY	66.95% -4.1% YoY	42%
Delinquency Rate ?	0.75% +30.9% YoY -12.0% QoQ	-0.14%	0.89% +14.1% YoY	0.74% -28.2% YoY	0.95% +18.8% YoY	38%
Loan-to-Deposit Ratio ?	95.62% -3.6% YoY +0.5% QoQ	+11.42%	84.20% +0.3% YoY	82.02% -3.5% YoY	76.70% +0.9% YoY	23%
Non-Interest-Bearing Deposit Share ?	17.55% -5.3% YoY -1.2% QoQ	-3.74%	21.29% -2.5% YoY	16.85% -1.4% YoY	22.01% -1.2% YoY	38%
Nonperforming Asset Ratio ?	0.62% +29.1% YoY -11.8% QoQ	-0.05%	0.67% +15.6% YoY	0.57% -26.7% YoY	0.67% +19.3% YoY	35%
Tier 1 Capital Ratio ?	11.13% +5.4% YoY +2.5% QoQ	-4.03%	15.16% +2.0% YoY	20.47% +20.0% YoY	17.06% +0.8% YoY	19%
Non-Interest Income / Assets ?	0.04% -1.6% YoY -78.7% QoQ	-0.21%	0.26% +1.6% YoY	0.39% -6.4% YoY	0.32% +4.1% YoY	Bottom 7.7% 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

#106 of 420 • Bottom 25.0% 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 Strain

risk

#106 of 334 • Bottom 31.4% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 95.62%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Capital Thin

risk

#111 of 221 • Bottom 49.8% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 11.13%

(Tier: 15.16%, National: 17.06%)

worse than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | 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 (3 metrics)

170

Total Loans

size

Value: $2.86B

Peer Median: $1.96B

#170 of 884 Top 19.1% in $1B-$10B

202

Total Deposits

size

Value: $2.99B

Peer Median: $2.34B

#202 of 884 Top 22.7% in $1B-$10B

213

Total Assets

size

Value: $3.46B

Peer Median: $2.82B

#213 of 884 Top 24.0% in $1B-$10B

Top Weaknesses (5 metrics)

820

Return on Assets

profitability

Value: 0.39%

Peer Median: 1.37%

#820 of 884 Bottom 7.4% in $1B-$10B

817

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.26%

#817 of 884 Bottom 7.7% in $1B-$10B

720

Tier 1 Capital Ratio

capital

Value: 11.13%

Peer Median: 15.16%

#720 of 884 Bottom 18.7% in $1B-$10B

684

Loan-to-Deposit Ratio

liquidity

Value: 95.62%

Peer Median: 84.20%

#684 of 884 Bottom 22.7% in $1B-$10B

681

Net Interest Margin

profitability

Value: 3.16%

Peer Median: 3.82%

#681 of 884 Bottom 23.1% in $1B-$10B