BlastPoint's Banking Scorecard

Popular Bank

$10B-$250B Specialty: Commercial NY FDIC cert 34967

Designations: ✓ Minority Depository Institution

New York, NY

38 branches across NY · FL · NJ

137 banks in the $10B-$250B peer group nationally 11 in NY

Popular Bank has 1 strength but faces 4 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 0.69% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 13.9% in tier
- ROA 0.29% below tier average
- Net Interest Margin 0.59% below tier average
- Efficiency Ratio 0.83% above tier average

Get updates when Popular 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 ?	$15.0B +2.9% YoY -0.7% QoQ	-$32.0B	$47.0B -1.9% YoY	$19.3B +17.3% YoY	$6.2B +9.1% YoY	20%
Total Loans ?	$11.5B +4.3% YoY -0.5% QoQ	-$17.8B	$29.4B -0.4% YoY	$8.1B +14.6% YoY	$3.2B +10.8% YoY	28%
Total Deposits ?	$12.2B +2.3% YoY +1.6% QoQ	-$26.2B	$38.4B -1.6% YoY	$15.1B +16.0% YoY	$4.8B +8.2% YoY	21%
Return on Assets ?	0.99% +139.9% YoY +65.5% QoQ	-0.29%	1.28% +18.7% YoY	0.86% +14.3% YoY	1.23% +13.4% YoY	31%
Net Interest Margin ?	3.18% +15.2% YoY +6.4% QoQ	-0.59%	3.77% +5.8% YoY	3.45% +7.0% YoY	3.89% +5.7% YoY	31%
Efficiency Ratio ?	54.84% -18.3% YoY -12.4% QoQ	+0.83%	54.01% -3.7% YoY	69.17% -3.6% YoY	66.95% -4.1% YoY	52%
Delinquency Rate ?	0.33% -30.6% YoY -3.1% QoQ	-0.69%	1.02% -3.8% YoY	1.13% +6.9% YoY	0.95% +18.8% YoY	83%
Loan-to-Deposit Ratio ?	94.22% +1.9% YoY -2.1% QoQ	+13.44%	80.79% +1.9% YoY	77.98% +0.4% YoY	76.70% +0.9% YoY	20%
Non-Interest-Bearing Deposit Share ?	12.19% +2.6% YoY -0.7% QoQ	-7.85%	20.04% +0.2% YoY	21.94% +1.2% YoY	22.01% -1.2% YoY	23%
Nonperforming Asset Ratio ?	0.26% -28.8% YoY -2.8% QoQ	-0.47%	0.72% +4.2% YoY	0.73% +4.5% YoY	0.67% +19.3% YoY	81%
Tier 1 Capital Ratio ?	14.24% +3.6% YoY +3.3% QoQ	-1.27%	15.51% -0.4% YoY	24.83% +10.8% YoY	17.06% +0.8% YoY	68%
Non-Interest Income / Assets ?	0.05% +16.9% YoY -71.1% QoQ	-0.17%	0.22% +0.3% YoY	0.21% +9.1% YoY	0.32% +4.1% YoY	Bottom 13.1% in tier

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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 (1)

Liquidity Strain

risk

#6 of 36 • Bottom 13.9% 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: 94.22%

(Tier: 80.79%, National: 76.70%)

worse than tier avg

36 of 36 Large banks match · 1013 nationally

→ Stable -50 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 137 peers in $10B-$250B

Top Strengths (2 metrics)

Delinquency Rate

credit_quality

Value: 0.33%

Peer Median: 1.02%

#24 of 136 Top 16.9% in $10B-$250B

Nonperforming Asset Ratio

credit_quality

Value: 0.26%

Peer Median: 0.72%

#27 of 137 Top 19.0% in $10B-$250B

Top Weaknesses (5 metrics)

120

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.22%

#120 of 137 Bottom 13.1% in $10B-$250B

111

Loan-to-Deposit Ratio

liquidity

Value: 94.22%

Peer Median: 80.79%

#111 of 137 Bottom 19.7% in $10B-$250B

110

Total Assets

size

Value: $14.95B

Peer Median: $46.96B

#110 of 137 Bottom 20.4% in $10B-$250B

109

Total Deposits

size

Value: $12.23B

Peer Median: $38.42B

#109 of 137 Bottom 21.2% in $10B-$250B

106

Non-Interest-Bearing Deposit Share

funding

Value: 12.19%

Peer Median: 20.04%

#106 of 137 Bottom 23.4% in $10B-$250B