BlastPoint's Banking Scorecard

Crown Bank

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

Elizabeth, NJ

13 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 -10.5% year over year ($428.3M on the books).
Delinquency rate 5.82%.
Return on assets 2.33%.
Efficiency ratio 44.89% vs a 64.48% peer average.
Loan-to-deposit ratio 121.36% 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) →

Crown Bank has 3 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

+ Return on Assets 1.01% above tier average
+ Efficiency Ratio 19.59% below tier average
+ Net Interest Margin 0.90% above tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 4.0% in tier
- Cost Spiral: Bottom 16.7% in tier
- Capital Constraint: Bottom 90.7% in tier
- Delinquency Rate 4.90% above tier average
- Nonperforming Asset Ratio 6.68% above tier average

Get updates when Crown 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 ?	$614.3M -6.9% YoY -4.5% QoQ	+$227.7M	$386.6M +1.2% YoY	$4.4B +7.9% YoY	$6.3B +7.7% YoY	81%
Total Loans ?	$519.7M +0.4% YoY +3.7% QoQ	+$261.4M	$258.3M +1.7% YoY	$3.3B +6.8% YoY	$3.2B +9.4% YoY	Top 9.9% in tier
Total Deposits ?	$428.3M -10.5% YoY -6.5% QoQ	+$101.5M	$326.7M +0.7% YoY	$3.6B +8.2% YoY	$4.9B +7.3% YoY	73%
Return on Assets ?	2.33% -30.6% YoY +7.6% QoQ	+1.01%	1.32% +10.8% YoY	0.53% -11.1% YoY	1.30% +12.1% YoY	Top 6.7% in tier
Net Interest Margin ?	4.88% -7.9% YoY +2.9% QoQ	+0.90%	3.99% +5.0% YoY	3.11% +4.3% YoY	3.95% +4.9% YoY	Top 10.1% in tier
Efficiency Ratio ?	44.89% +24.7% YoY -4.7% QoQ	-19.59%	64.48% -3.2% YoY	78.52% +3.6% YoY	70.05% +2.5% YoY	Top 8.9% in tier
Delinquency Rate ?	5.82% -33.4% YoY -4.8% QoQ	+4.90%	0.92% +15.7% YoY	0.69% -16.2% YoY	0.98% +16.3% YoY	Bottom 1.7% in tier
Loan-to-Deposit Ratio ?	121.36% +12.2% YoY +10.8% QoQ	+43.41%	77.95% +1.0% YoY	81.90% -3.2% YoY	79.03% +2.3% YoY	Bottom 1.1% in tier
Non-Interest-Bearing Deposit Share ?	27.55% +23.6% YoY +9.8% QoQ	+5.52%	22.03% -0.6% YoY	16.56% -0.1% YoY	21.98% -0.6% YoY	75%
Nonperforming Asset Ratio ?	7.35% -6.1% YoY +3.8% QoQ	+6.68%	0.67% +16.4% YoY	0.61% -0.3% YoY	0.69% +15.8% YoY	Bottom 0.3% in tier
Tier 1 Capital Ratio ?	26.11% +8.4% YoY +3.4% QoQ	+10.20%	15.91% +1.4% YoY	19.31% +2.7% YoY	17.09% +0.8% YoY	Top 5.9% in tier
Non-Interest Income / Assets ?	0.21% -45.0% YoY +147.4% QoQ	-0.36%	0.57% +7.6% YoY	0.77% -2.9% YoY	0.66% +5.2% YoY	52%

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	27.5% +5.3pp YoY +2.5pp QoQ	+5.4pp	22.1%	16.6%	22.2%	75%
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	2.3% -0.3pp YoY -0.2pp QoQ	-9.2pp	11.6%	6.5%	12.5%	8%
CRE	96.2% +0.7pp YoY +0.4pp QoQ	+56.6pp	39.5%	56.3%	41.4%	100%
1-4 Family	2.9% -0.3pp YoY -0.1pp QoQ	-29.8pp	32.6%	39.4%	31.3%	3%
Consumer	n/a	n/a	4.1%	4.3%	5.0%	n/a

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	18.8%	19.7%	n/a
Leverage Ratio	26.1% +2.0pp YoY +0.8pp QoQ	+13.9pp	12.2%	13.4%	12.6%	98%
Total Capital Ratio	n/a	n/a	19.9%	19.8%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Full-Time Employees	78 +5 (+6.8%) YoY 0 QoQ	+19	58	336	482	76%
Assets per Employee ($)	$7.9M -12.9% YoY -4.5% QoQ	+$357K	$7.5M	$11.2M	$8.8M	66%
Branch Count	13 0 YoY 0 QoQ	+8	4	20	18	96%

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	5.8% -2.9pp YoY -0.3pp QoQ	+4.9pp	0.9%	0.8%	1.0%	98%
Allowance Coverage	0.15x +70.2% YoY +7.3% QoQ	-24.00x	24.15x	6.57x	20.23x	0%
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	9.0% -5.1pp YoY +0.5pp QoQ	-3.2pp	12.2%	6.4%	11.6%	31%
Cost of Funds (YTD)	1.7% -0.3pp YoY 0.0pp QoQ	0.0pp	1.7%	1.9%	1.7%	54%
Net Income ($, YTD)	$7.3M -33.0% YoY — QoQ	+$4.8M	$2.6M	$19.8M	$40.4M	96%

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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)

Liquidity Overhang

risk

#31 of 742 • Bottom 4.0% 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: 26.11%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 121.36%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank improving

Cost Spiral

risk

#24 of 138 • Bottom 16.7% 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: 44.89%

(Tier: 64.48%, National: 70.05%)

better than tier avg

138 of 138 Community banks match · 184 nationally

→ Stable +9 banks QoQ

Capital Constraint

risk

#98 of 107 • Bottom 90.7% 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: 121.36%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

Tier 1 Capital Ratio: 26.11%

(Tier: 15.91%, National: 17.09%)

better than tier avg

107 of 107 Community banks match · 143 nationally

→ Stable -5 banks QoQ | QoQ rank improving

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 (6 metrics)

158

Tier 1 Capital Ratio

capital

Value: 26.11%

Peer Median: 15.91%

#158 of 2643 Top 5.9% in $100M-$1B

179

Return on Assets

profitability

Value: 2.33%

Peer Median: 1.32%

#179 of 2643 Top 6.7% in $100M-$1B

235

Efficiency Ratio

profitability

Value: 44.89%

Peer Median: 64.48%

#235 of 2643 Top 8.9% in $100M-$1B

263

Total Loans

size

Value: $519.74M

Peer Median: $258.35M

#263 of 2643 Top 9.9% in $100M-$1B

269

Net Interest Margin

profitability

Value: 4.88%

Peer Median: 3.99%

#269 of 2643 Top 10.1% in $100M-$1B

490

Total Assets

size

Value: $614.28M

Peer Median: $386.57M

#490 of 2643 Top 18.5% in $100M-$1B

Top Weaknesses (3 metrics)

2636

Nonperforming Asset Ratio

credit_quality

Value: 7.35%

Peer Median: 0.67%

#2636 of 2643 Bottom 0.3% in $100M-$1B

2616

Loan-to-Deposit Ratio

liquidity

Value: 121.36%

Peer Median: 77.95%

#2616 of 2643 Bottom 1.1% in $100M-$1B

2588

Delinquency Rate

credit_quality

Value: 5.82%

Peer Median: 0.92%

#2588 of 2633 Bottom 1.7% in $100M-$1B