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Abacus Federal Savings Bank

$100M-$1B Specialty: Mortgage NY FDIC cert 32257

Designations: ✓ Minority Depository Institution

New York, NY

5 branches across NY · NJ · PA

2664 banks in the $100M-$1B peer group nationally 51 in NY
View $100M-$1B leaderboard (NY) →

Abacus Federal Savings Bank has 2 strengths but faces 5 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

  • + Deposit Franchise: Top 75.0% in tier
  • + Delinquency Rate 0.27% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 3.2% in tier
  • - Liquidity Strain: Bottom 9.8% in tier
  • - Efficiency Drag: Bottom 32.4% in tier
  • - Credit Quality Pressure: Bottom 36.5% in tier
  • - Return on Assets 1.03% below tier average
Get updates when Abacus Federal Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Total Assets ? $319.3M
-1.9% YoY +1.0% QoQ
-$66.8M $386.1M
+0.5% YoY
$19.3B
+17.3% YoY
$6.2B
+9.1% YoY
49%
Total Loans ? $245.6M
-2.4% YoY -2.0% QoQ
-$10.1M $255.7M
+1.1% YoY
$8.1B
+14.6% YoY
$3.2B
+10.8% YoY
58%
Total Deposits ? $257.6M
-2.3% YoY +1.3% QoQ
-$70.4M $328.0M
+0.1% YoY
$15.1B
+16.0% YoY
$4.8B
+8.2% YoY
46%
Return on Assets ? 0.24%
-49.5% YoY -34.4% QoQ
-1.03% 1.27%
+12.9% YoY
0.86%
+14.3% YoY
1.23%
+13.4% YoY
Bottom 6.9% in tier
Net Interest Margin ? 4.43%
+1.8% YoY +0.1% QoQ
+0.50% 3.93%
+6.0% YoY
3.45%
+7.0% YoY
3.89%
+5.7% YoY
79%
Efficiency Ratio ? 92.06%
+8.2% YoY +3.6% QoQ
+26.77% 65.29%
-4.5% YoY
69.17%
-3.6% YoY
66.95%
-4.1% YoY
Bottom 5.1% in tier
Delinquency Rate ? 0.62%
+34.4% YoY +31.4% QoQ
-0.27% 0.89%
+18.8% YoY
1.13%
+6.9% YoY
0.95%
+18.8% YoY
39%
Loan-to-Deposit Ratio ? 95.36%
-0.1% YoY -3.3% QoQ
+18.73% 76.64%
+0.8% YoY
77.98%
+0.4% YoY
76.70%
+0.9% YoY
15%
Non-Interest-Bearing Deposit Share ? 35.21%
+7.5% YoY -1.2% QoQ
+13.19% 22.02%
-1.0% YoY
21.94%
+1.2% YoY
22.01%
-1.2% YoY
Top 9.6% in tier
Nonperforming Asset Ratio ? 0.53%
+29.2% YoY +23.5% QoQ
-0.10% 0.64%
+19.7% YoY
0.73%
+4.5% YoY
0.67%
+19.3% YoY
35%
Tier 1 Capital Ratio ? 33.47%
+5.0% YoY +3.2% QoQ
+17.64% 15.83%
+1.5% YoY
24.83%
+10.8% YoY
17.06%
+0.8% YoY
Top 2.7% in tier
Non-Interest Income / Assets ? 0.08%
-18.1% YoY -83.2% QoQ
-0.20% 0.28%
+9.3% YoY
0.21%
+9.1% YoY
0.32%
+4.1% YoY
42%

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 (1)

Deposit Franchise

growth
#205 of 272 • Top 75.0% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 35.21%
(Tier: 22.02%, National: 22.01%)
better than tier avg
Net Interest Margin: 4.43%
(Tier: 3.93%, National: 3.89%)
better than tier avg
272 of 272 Community banks match · 369 nationally
→ Stable -14 banks QoQ

Concerns (4)

Liquidity Overhang

risk
#25 of 739 • Bottom 3.2% 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: 33.47%
(Tier: 15.83%, National: 17.06%)
better than tier avg
Loan-to-Deposit Ratio: 95.36%
(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

Liquidity Strain

risk
#64 of 643 • Bottom 9.8% 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: 95.36%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
643 of 643 Community banks match · 1013 nationally
→ Stable -50 banks QoQ | QoQ rank improving

Efficiency Drag

risk
#135 of 414 • Bottom 32.4% in tier

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

Why this signature
Efficiency Ratio: 92.06%
(Tier: 65.29%, National: 66.95%)
worse than tier avg
414 of 414 Community banks match · 492 nationally
→ Stable | QoQ rank declining

Credit Quality Pressure

risk
#479 of 1308 • Bottom 36.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.62%
(Tier: 0.89%, National: 0.95%)
better than tier avg
1308 of 1308 Community banks match · 1899 nationally
→ Stable +2 banks QoQ

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).
Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

74
Tier 1 Capital Ratio
capital
Value: 33.47%
Peer Median: 15.83%
#74 of 2664 Top 2.7% in $100M-$1B
258
Non-Interest-Bearing Deposit Share
funding
Value: 35.21%
Peer Median: 22.02%
#258 of 2664 Top 9.6% in $100M-$1B
550
Net Interest Margin
profitability
Value: 4.43%
Peer Median: 3.93%
#550 of 2664 Top 20.6% in $100M-$1B

Top Weaknesses (3 metrics)

2529
Efficiency Ratio
profitability
Value: 92.06%
Peer Median: 65.29%
#2529 of 2664 Bottom 5.1% in $100M-$1B
2480
Return on Assets
profitability
Value: 0.24%
Peer Median: 1.27%
#2480 of 2664 Bottom 6.9% in $100M-$1B
2263
Loan-to-Deposit Ratio
liquidity
Value: 95.36%
Peer Median: 76.64%
#2263 of 2664 Bottom 15.1% in $100M-$1B
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