BlastPoint's Banking Scorecard

Manasquan Bank

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

Designations: ✓ Community bank

Manasquan, NJ

15 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 885 banks in the $1B-$10B peer group nationwide — 1 of 18 in NJ.
Deposits +10.2% year over year ($3.1B on the books).
Delinquency rate 0.64%.
Return on assets 0.67%.
Efficiency ratio 59.58% vs a 59.73% peer average.
Loan-to-deposit ratio 95.26% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 18 in NJ

View $1B-$10B leaderboard (NJ) →

Manasquan Bank has 2 strengths but faces 4 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

+ Efficiency Ratio 0.15% below tier average
+ Delinquency Rate 0.22% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 39.3% in tier
- Non-Interest Income / Assets 0.44% below tier average
- ROA 0.72% below tier average
- Net Interest Margin 0.66% below tier average

Get updates when Manasquan 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 ?	$3.6B +8.8% YoY +3.7% QoQ	+$793.7M	$2.8B -0.6% YoY	$4.4B +7.9% YoY	$6.3B +7.7% YoY	77%
Total Loans ?	$3.0B +6.8% YoY +3.7% QoQ	+$1.0B	$2.0B -0.3% YoY	$3.3B +6.8% YoY	$3.2B +9.4% YoY	82%
Total Deposits ?	$3.1B +10.2% YoY +4.1% QoQ	+$798.2M	$2.3B -0.5% YoY	$3.6B +8.2% YoY	$4.9B +7.3% YoY	79%
Return on Assets ?	0.67% -16.8% YoY +73.5% QoQ	-0.72%	1.39% +17.0% YoY	0.53% -11.1% YoY	1.30% +12.1% YoY	Bottom 12.4% in tier
Net Interest Margin ?	3.21% +9.0% YoY +1.4% QoQ	-0.66%	3.87% +6.2% YoY	3.11% +4.3% YoY	3.95% +4.9% YoY	22%
Efficiency Ratio ?	59.58% -5.0% YoY -3.7% QoQ	-0.15%	59.73% -12.6% YoY	78.52% +3.6% YoY	70.05% +2.5% YoY	48%
Delinquency Rate ?	0.64% -11.7% YoY -14.5% QoQ	-0.22%	0.87% +11.7% YoY	0.69% -16.2% YoY	0.98% +16.3% YoY	41%
Loan-to-Deposit Ratio ?	95.26% -3.1% YoY -0.4% QoQ	+10.22%	85.04% -0.1% YoY	81.90% -3.2% YoY	79.03% +2.3% YoY	25%
Non-Interest-Bearing Deposit Share ?	19.05% +0.3% YoY +8.5% QoQ	-2.23%	21.27% -1.5% YoY	16.56% -0.1% YoY	21.98% -0.6% YoY	46%
Nonperforming Asset Ratio ?	0.53% -13.3% YoY -14.5% QoQ	-0.14%	0.67% +11.7% YoY	0.61% -0.3% YoY	0.69% +15.8% YoY	41%
Tier 1 Capital Ratio ?	11.00% +2.8% YoY -1.2% QoQ	-3.84%	14.84% -0.4% YoY	19.31% +2.7% YoY	17.09% +0.8% YoY	18%
Non-Interest Income / Assets ?	0.09% -7.9% YoY +107.5% QoQ	-0.44%	0.53% +2.5% YoY	0.77% -2.9% YoY	0.66% +5.2% YoY	Bottom 8.0% 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	19.0% +0.1pp YoY +1.5pp QoQ	-2.3pp	21.4%	16.6%	22.2%	45%
Brokered Deposits	0.6% -0.1pp YoY 0.0pp QoQ	-8.8pp	9.5%	10.1%	8.5%	14%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
C&I	8.5% -0.5pp YoY +0.1pp QoQ	-5.5pp	14.0%	6.5%	12.5%	37%
CRE	56.8% +2.2pp YoY +0.9pp QoQ	+6.7pp	50.0%	56.3%	41.4%	68%
1-4 Family	35.3% -1.7pp YoY -1.0pp QoQ	+8.8pp	26.4%	39.4%	31.3%	75%
Consumer	0.2% 0.0pp YoY 0.0pp QoQ	-4.5pp	4.7%	4.3%	5.0%	17%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
CET1 Ratio	11.0% +0.3pp YoY -0.1pp QoQ	-4.6pp	15.6%	18.8%	19.7%	10%
Leverage Ratio	9.7% +0.2pp YoY 0.0pp QoQ	-1.6pp	11.3%	13.4%	12.6%	28%
Total Capital Ratio	11.9% +0.3pp YoY -0.1pp QoQ	-4.8pp	16.7%	19.8%	20.8%	8%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Full-Time Employees	271 +18 (+7.1%) YoY +9 (+3.4%) QoQ	-43	313	336	482	60%
Assets per Employee ($)	$13.2M +1.6% YoY +0.2% QoQ	+$2.8M	$10.5M	$11.2M	$8.8M	84%
Branch Count	15 0 YoY 0 QoQ	-5	20	20	18	50%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.1%	0.4%	n/a
Nonaccrual	0.6% -0.1pp YoY -0.1pp QoQ	-0.2pp	0.8%	0.8%	1.0%	60%
Allowance Coverage	1.33x +22.1% YoY +15.8% QoQ	-17.38x	18.71x	6.57x	20.23x	34%
Net Charge-off Rate (YTD)	0.3% +0.1pp YoY -0.3pp QoQ	0.0pp	0.3%	0.2%	0.2%	85%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
ROE	7.2% -1.8pp YoY +3.0pp QoQ	-5.4pp	12.6%	6.4%	11.6%	16%
Cost of Funds (YTD)	2.1% -0.1pp YoY 0.0pp QoQ	+0.2pp	1.9%	1.9%	1.7%	65%
Net Income ($, YTD)	$11.7M -10.3% YoY — QoQ	-$7.6M	$19.2M	$19.8M	$40.4M	46%

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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 (1)

Liquidity Strain

risk

#143 of 361 • Bottom 39.3% 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: 95.26%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ | 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 885 peers in $1B-$10B

Top Strengths (3 metrics)

160

Total Loans

size

Value: $2.97B

Peer Median: $1.96B

#160 of 885 Top 18.0% in $1B-$10B

190

Total Deposits

size

Value: $3.12B

Peer Median: $2.32B

#190 of 885 Top 21.4% in $1B-$10B

204

Total Assets

size

Value: $3.59B

Peer Median: $2.79B

#204 of 885 Top 22.9% in $1B-$10B

Top Weaknesses (4 metrics)

815

Non-Interest Income / Assets

revenue_mix

Value: 0.09%

Peer Median: 0.53%

#815 of 885 Bottom 8.0% in $1B-$10B

776

Return on Assets

profitability

Value: 0.67%

Peer Median: 1.39%

#776 of 885 Bottom 12.4% in $1B-$10B

725

Tier 1 Capital Ratio

capital

Value: 11.00%

Peer Median: 14.84%

#725 of 885 Bottom 18.2% in $1B-$10B

692

Net Interest Margin

profitability

Value: 3.21%

Peer Median: 3.87%

#692 of 885 Bottom 21.9% in $1B-$10B