BlastPoint's Banking Scorecard

Crown Bank

$100M-$1B Specialty: Commercial NJ FDIC cert 34259

Elizabeth, NJ

13 branches across NJ

2664 banks in the $100M-$1B peer group nationally 23 in NJ

Crown Bank has 3 strengths but faces 7 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

+ Return on Assets 0.90% above tier average
+ Net Interest Margin 0.81% above tier average
+ Efficiency Ratio 18.17% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 4.6% in tier
- Cost Spiral: Bottom 19.0% in tier
- Liquidity Strain: Bottom 35.2% in tier
- Margin Compression: Bottom 38.0% in tier
- Capital Constraint: Bottom 92.6% in tier
- Delinquency Rate 5.23% above tier average
- Nonperforming Asset Ratio 6.44% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Total Assets ?	$643.2M -2.7% YoY +2.3% QoQ	+$257.1M	$386.1M +0.5% YoY	$4.1B +2.0% YoY	$6.2B +9.1% YoY	84%
Total Loans ?	$501.4M -2.6% YoY -1.3% QoQ	+$245.7M	$255.7M +1.1% YoY	$3.1B +1.9% YoY	$3.2B +10.8% YoY	Top 10.9% in tier
Total Deposits ?	$457.9M -5.3% YoY +3.5% QoQ	+$130.0M	$328.0M +0.1% YoY	$3.3B +2.8% YoY	$4.8B +8.2% YoY	76%
Return on Assets ?	2.17% -37.9% YoY -37.0% QoQ	+0.90%	1.27% +12.9% YoY	0.42% -40.1% YoY	1.23% +13.4% YoY	Top 9.3% in tier
Net Interest Margin ?	4.75% -9.5% YoY -12.6% QoQ	+0.81%	3.93% +6.0% YoY	3.07% +6.4% YoY	3.89% +5.7% YoY	Top 12.0% in tier
Efficiency Ratio ?	47.12% +29.6% YoY +28.3% QoQ	-18.17%	65.29% -4.5% YoY	81.63% +9.7% YoY	66.95% -4.1% YoY	Top 11.4% in tier
Delinquency Rate ?	6.12% -33.5% YoY -25.4% QoQ	+5.23%	0.89% +18.8% YoY	0.74% -28.2% YoY	0.95% +18.8% YoY	Bottom 1.3% in tier
Loan-to-Deposit Ratio ?	109.49% +2.9% YoY -4.6% QoQ	+32.85%	76.64% +0.8% YoY	82.02% -3.5% YoY	76.70% +0.9% YoY	Bottom 3.0% in tier
Non-Interest-Bearing Deposit Share ?	25.09% +19.3% YoY +5.1% QoQ	+3.08%	22.02% -1.0% YoY	16.85% -1.4% YoY	22.01% -1.2% YoY	66%
Nonperforming Asset Ratio ?	7.08% -13.0% YoY -7.4% QoQ	+6.44%	0.64% +19.7% YoY	0.57% -26.7% YoY	0.67% +19.3% YoY	Bottom 0.3% in tier
Tier 1 Capital Ratio ?	25.26% +6.3% YoY +0.7% QoQ	+9.43%	15.83% +1.5% YoY	20.47% +20.0% YoY	17.06% +0.8% YoY	Top 6.3% in tier
Non-Interest Income / Assets ?	0.08% -65.2% YoY -90.8% QoQ	-0.20%	0.28% +9.3% YoY	0.39% -6.4% YoY	0.32% +4.1% YoY	42%

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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 (5)

Liquidity Overhang

risk

#35 of 739 • Bottom 4.6% 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: 25.26%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 109.49%

(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

Cost Spiral

risk

#25 of 126 • Bottom 19.0% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 47.12%

(Tier: 65.29%, National: 66.95%)

better than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 banks QoQ

Liquidity Strain

risk

#227 of 643 • Bottom 35.2% 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: 109.49%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank declining

Margin Compression

decline

#117 of 305 • Bottom 38.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 2.17%

(Tier: 1.27%, National: 1.23%)

better than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

Capital Constraint

risk

#101 of 108 • Bottom 92.6% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 109.49%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 25.26%

(Tier: 15.83%, National: 17.06%)

better than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 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).

Compare against:

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

Top Strengths (7 metrics)

168

Tier 1 Capital Ratio

capital

Value: 25.26%

Peer Median: 15.83%

#168 of 2664 Top 6.3% in $100M-$1B

249

Return on Assets

profitability

Value: 2.17%

Peer Median: 1.27%

#249 of 2664 Top 9.3% in $100M-$1B

291

Total Loans

size

Value: $501.40M

Peer Median: $255.72M

#291 of 2664 Top 10.9% in $100M-$1B

304

Efficiency Ratio

profitability

Value: 47.12%

Peer Median: 65.29%

#304 of 2664 Top 11.4% in $100M-$1B

320

Net Interest Margin

profitability

Value: 4.75%

Peer Median: 3.93%

#320 of 2664 Top 12.0% in $100M-$1B

432

Total Assets

size

Value: $643.21M

Peer Median: $386.08M

#432 of 2664 Top 16.2% in $100M-$1B

644

Total Deposits

size

Value: $457.94M

Peer Median: $327.97M

#644 of 2664 Top 24.1% in $100M-$1B

Top Weaknesses (3 metrics)

2657

Nonperforming Asset Ratio

credit_quality

Value: 7.08%

Peer Median: 0.64%

#2657 of 2664 Bottom 0.3% in $100M-$1B

2620

Delinquency Rate

credit_quality

Value: 6.12%

Peer Median: 0.89%

#2620 of 2654 Bottom 1.3% in $100M-$1B

2584

Loan-to-Deposit Ratio

liquidity

Value: 109.49%

Peer Median: 76.64%

#2584 of 2664 Bottom 3.0% in $100M-$1B