BlastPoint's Banking Scorecard

Lusitania Savings Bank

$100M-$1B Specialty: Mortgage NJ FDIC cert 34058

Newark, NJ

4 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 25 in NJ.
Deposits +6.7% year over year ($353.5M on the books).
Delinquency rate 0.19%.
Return on assets 0.48%.
Efficiency ratio 72.59% vs a 64.48% peer average.
Loan-to-deposit ratio 63.95% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 25 in NJ

View $100M-$1B leaderboard (NJ) →

Lusitania Savings Bank has 1 strength but faces 6 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 0.73% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 0.3% in tier
- Credit Quality Pressure: Bottom 10.2% in tier
- Liquidity Overhang: Bottom 18.7% in tier
- Net Interest Margin 1.57% below tier average
- ROA 0.85% below tier average
- Efficiency Ratio 8.11% above tier average

Get updates when Lusitania Savings 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 ?	$418.1M +6.0% YoY +1.7% QoQ	+$31.6M	$386.6M +1.2% YoY	$4.4B +7.9% YoY	$6.3B +7.7% YoY	63%
Total Loans ?	$226.1M +1.5% YoY +1.3% QoQ	-$32.3M	$258.3M +1.7% YoY	$3.3B +6.8% YoY	$3.2B +9.4% YoY	54%
Total Deposits ?	$353.5M +6.7% YoY +1.8% QoQ	+$26.8M	$326.7M +0.7% YoY	$3.6B +8.2% YoY	$4.9B +7.3% YoY	63%
Return on Assets ?	0.48% +35.3% YoY -0.0% QoQ	-0.85%	1.32% +10.8% YoY	0.53% -11.1% YoY	1.30% +12.1% YoY	Bottom 11.7% in tier
Net Interest Margin ?	2.42% +11.4% YoY +0.4% QoQ	-1.57%	3.99% +5.0% YoY	3.11% +4.3% YoY	3.95% +4.9% YoY	Bottom 2.5% in tier
Efficiency Ratio ?	72.59% -6.1% YoY +0.2% QoQ	+8.11%	64.48% -3.2% YoY	78.52% +3.6% YoY	70.05% +2.5% YoY	25%
Delinquency Rate ?	0.19% +6.5% YoY -1.8% QoQ	-0.73%	0.92% +15.7% YoY	0.69% -16.2% YoY	0.98% +16.3% YoY	67%
Loan-to-Deposit Ratio ?	63.95% -4.9% YoY -0.5% QoQ	-14.00%	77.95% +1.0% YoY	81.90% -3.2% YoY	79.03% +2.3% YoY	78%
Non-Interest-Bearing Deposit Share ?	16.25% -6.4% YoY -0.3% QoQ	-5.78%	22.03% -0.6% YoY	16.56% -0.1% YoY	21.98% -0.6% YoY	28%
Nonperforming Asset Ratio ?	0.10% +2.0% YoY -2.1% QoQ	-0.57%	0.67% +16.4% YoY	0.61% -0.3% YoY	0.69% +15.8% YoY	71%
Tier 1 Capital Ratio ?	34.73% +6.3% YoY -1.2% QoQ	+18.83%	15.91% +1.4% YoY	19.31% +2.7% YoY	17.09% +0.8% YoY	Top 2.5% in tier
Non-Interest Income / Assets ?	0.08% +8.7% YoY +102.3% QoQ	-0.49%	0.57% +7.6% YoY	0.77% -2.9% YoY	0.66% +5.2% YoY	Bottom 12.2% 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	16.2% -1.1pp YoY 0.0pp QoQ	-5.9pp	22.1%	16.6%	22.2%	28%
Brokered Deposits	n/a	n/a	7.9%	10.1%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
C&I	0.1% 0.0pp YoY 0.0pp QoQ	-11.5pp	11.6%	6.5%	12.5%	0%
CRE	9.2% -1.2pp YoY -0.2pp QoQ	-30.3pp	39.5%	56.3%	41.4%	4%
1-4 Family	91.3% +0.9pp YoY +0.1pp QoQ	+58.7pp	32.6%	39.4%	31.3%	98%
Consumer	0.5% +0.3pp YoY +0.1pp QoQ	-3.6pp	4.1%	4.3%	5.0%	16%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
CET1 Ratio	34.7% +2.1pp YoY -0.4pp QoQ	+15.9pp	18.8%	18.8%	19.7%	96%
Leverage Ratio	15.0% -0.3pp YoY -0.1pp QoQ	+2.8pp	12.2%	13.4%	12.6%	86%
Total Capital Ratio	36.0% +2.1pp YoY -0.4pp QoQ	+16.1pp	19.9%	19.8%	20.8%	96%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Full-Time Employees	42 +4 (+10.5%) YoY +1 (+2.4%) QoQ	-17	58	336	482	44%
Assets per Employee ($)	$10.0M -4.1% YoY -0.8% QoQ	+$2.4M	$7.5M	$11.2M	$8.8M	85%
Branch Count	4 0 YoY 0 QoQ	-1	4	20	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	0.2% 0.0pp YoY 0.0pp QoQ	-0.7pp	0.9%	0.8%	1.0%	28%
Allowance Coverage	6.25x -5.2% YoY +0.4% QoQ	-17.90x	24.15x	6.57x	20.23x	75%
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.2%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
ROE	3.3% +0.9pp YoY 0.0pp QoQ	-8.9pp	12.2%	6.4%	11.6%	9%
Cost of Funds (YTD)	1.6% +0.1pp YoY 0.0pp QoQ	-0.2pp	1.7%	1.9%	1.7%	41%
Net Income ($, YTD)	$980,000 +43.1% YoY — QoQ	-$1.6M	$2.6M	$19.8M	$40.4M	26%

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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

#4 of 936 • Bottom 0.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ

Credit Quality Pressure

risk

#129 of 1256 • Bottom 10.2% in tier

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

Why this signature

Delinquency Rate: 0.19%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

Liquidity Overhang

risk

#140 of 742 • Bottom 18.7% 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: 34.73%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 63.95%

(Tier: 77.95%, National: 79.03%)

better than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

Tier 1 Capital Ratio

capital

Value: 34.73%

Peer Median: 15.91%

#68 of 2643 Top 2.5% in $100M-$1B

589

Loan-to-Deposit Ratio

liquidity

Value: 63.95%

Peer Median: 77.95%

#589 of 2643 Top 22.2% in $100M-$1B

Top Weaknesses (4 metrics)

2579

Net Interest Margin

profitability

Value: 2.42%

Peer Median: 3.99%

#2579 of 2643 Bottom 2.5% in $100M-$1B

2336

Return on Assets

profitability

Value: 0.48%

Peer Median: 1.32%

#2336 of 2643 Bottom 11.7% in $100M-$1B

2321

Non-Interest Income / Assets

revenue_mix

Value: 0.08%

Peer Median: 0.57%

#2321 of 2643 Bottom 12.2% in $100M-$1B

1995

Efficiency Ratio

profitability

Value: 72.59%

Peer Median: 64.48%

#1995 of 2643 Bottom 24.6% in $100M-$1B