BlastPoint's Banking Scorecard
Lusitania Savings Bank
Newark, NJ
4 branches across NJ
Lusitania Savings Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.70% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 15.6% in tier
- - Net Interest Margin 1.52% below tier average
- - ROA 0.79% below tier average
- - Efficiency Ratio 7.14% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$411.3M
+5.4% YoY
+1.9% QoQ
|
+$25.2M |
$386.1M
+0.5% YoY
|
$4.1B
+2.0% YoY
|
$6.2B
+9.1% YoY
|
63% |
| Total Loans ? |
$223.1M
-1.0% YoY
+0.0% QoQ
|
-$32.6M |
$255.7M
+1.1% YoY
|
$3.1B
+1.9% YoY
|
$3.2B
+10.8% YoY
|
54% |
| Total Deposits ? |
$347.2M
+5.7% YoY
+2.1% QoQ
|
+$19.2M |
$328.0M
+0.1% YoY
|
$3.3B
+2.8% YoY
|
$4.8B
+8.2% YoY
|
62% |
| Return on Assets ? |
0.48%
+47.5% YoY
+29.6% QoQ
|
-0.79% |
1.27%
+12.9% YoY
|
0.42%
-40.1% YoY
|
1.23%
+13.4% YoY
|
Bottom 12.7% in tier |
| Net Interest Margin ? |
2.41%
+15.7% YoY
+5.0% QoQ
|
-1.52% |
3.93%
+6.0% YoY
|
3.07%
+6.4% YoY
|
3.89%
+5.7% YoY
|
Bottom 2.6% in tier |
| Efficiency Ratio ? |
72.42%
-7.4% YoY
-6.4% QoQ
|
+7.14% |
65.29%
-4.5% YoY
|
81.63%
+9.7% YoY
|
66.95%
-4.1% YoY
|
27% |
| Delinquency Rate ? |
0.19%
-54.1% YoY
-0.3% QoQ
|
-0.70% |
0.89%
+18.8% YoY
|
0.74%
-28.2% YoY
|
0.95%
+18.8% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
64.26%
-6.4% YoY
-2.0% QoQ
|
-12.38% |
76.64%
+0.8% YoY
|
82.02%
-3.5% YoY
|
76.70%
+0.9% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
16.30%
-3.3% YoY
+4.3% QoQ
|
-5.72% |
22.02%
-1.0% YoY
|
16.85%
-1.4% YoY
|
22.01%
-1.2% YoY
|
29% |
| Nonperforming Asset Ratio ? |
0.10%
-56.9% YoY
-2.1% QoQ
|
-0.53% |
0.64%
+19.7% YoY
|
0.57%
-26.7% YoY
|
0.67%
+19.3% YoY
|
70% |
| Tier 1 Capital Ratio ? |
35.14%
+7.6% YoY
+0.0% QoQ
|
+19.31% |
15.83%
+1.5% YoY
|
20.47%
+20.0% YoY
|
17.06%
+0.8% YoY
|
Top 2.3% in tier |
| Non-Interest Income / Assets ? |
0.04%
+5.6% YoY
-72.7% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.39%
-6.4% YoY
|
0.32%
+4.1% YoY
|
Bottom 12.7% 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.