BlastPoint's Banking Scorecard
Ponce Bank, National Association
Designations: ✓ Community bank ✓ CDFI-certified ✓ Minority Depository Institution
Bronx, NY
13 branches across NY · NJ
Ponce Bank, National Association has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 6.72% below tier average
- + Delinquency Rate 0.13% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 12.6% in tier
- - ROA 0.22% below tier average
- - Net Interest Margin 0.18% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.3B
+6.9% YoY
+2.3% QoQ
|
+$473.8M |
$2.8B
-0.1% YoY
|
$19.3B
+17.3% YoY
|
$6.2B
+9.1% YoY
|
74% |
| Total Loans ? |
$2.7B
+13.5% YoY
+3.8% QoQ
|
+$735.9M |
$2.0B
+0.6% YoY
|
$8.1B
+14.6% YoY
|
$3.2B
+10.8% YoY
|
79% |
| Total Deposits ? |
$2.1B
+5.8% YoY
+4.2% QoQ
|
-$195.1M |
$2.3B
-0.3% YoY
|
$15.1B
+16.0% YoY
|
$4.8B
+8.2% YoY
|
62% |
| Return on Assets ? |
1.15%
+33.7% YoY
+14.3% QoQ
|
-0.22% |
1.37%
+19.6% YoY
|
0.86%
+14.3% YoY
|
1.23%
+13.4% YoY
|
44% |
| Net Interest Margin ? |
3.64%
+19.2% YoY
+8.4% QoQ
|
-0.18% |
3.82%
+6.9% YoY
|
3.45%
+7.0% YoY
|
3.89%
+5.7% YoY
|
50% |
| Efficiency Ratio ? |
54.34%
-17.2% YoY
-6.5% QoQ
|
-6.72% |
61.06%
-4.6% YoY
|
69.17%
-3.6% YoY
|
66.95%
-4.1% YoY
|
66% |
| Delinquency Rate ? |
0.75%
-34.3% YoY
-27.0% QoQ
|
-0.13% |
0.89%
+14.1% YoY
|
1.13%
+6.9% YoY
|
0.95%
+18.8% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
125.72%
+7.3% YoY
-0.4% QoQ
|
+41.52% |
84.20%
+0.3% YoY
|
77.98%
+0.4% YoY
|
76.70%
+0.9% YoY
|
Bottom 1.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.91%
+7.4% YoY
+9.9% QoQ
|
-9.38% |
21.29%
-2.5% YoY
|
21.94%
+1.2% YoY
|
22.01%
-1.2% YoY
|
17% |
| Nonperforming Asset Ratio ? |
0.62%
-30.2% YoY
-26.0% QoQ
|
-0.05% |
0.67%
+15.6% YoY
|
0.73%
+4.5% YoY
|
0.67%
+19.3% YoY
|
35% |
| Tier 1 Capital Ratio ? |
18.97%
-6.8% YoY
-7.6% QoQ
|
+3.81% |
15.16%
+2.0% YoY
|
24.83%
+10.8% YoY
|
17.06%
+0.8% YoY
|
Top 9.4% in tier |
| Non-Interest Income / Assets ? |
0.06%
-21.1% YoY
-80.6% QoQ
|
-0.20% |
0.26%
+1.6% YoY
|
0.21%
+9.1% YoY
|
0.32%
+4.1% YoY
|
Bottom 12.2% in tier |
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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 (0)
Concerns (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.