BlastPoint's Banking Scorecard
ConnectOne Bank
Designations: ✓ Community bank
Englewood Cliffs, NJ
62 branches across NY · NJ · FL
ConnectOne Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 8.11% below tier average
- + Delinquency Rate 0.59% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 19.44% above tier average
- - ROA 0.09% below tier average
- - Net Interest Margin 0.28% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$14.2B
+45.6% YoY
+1.5% QoQ
|
-$32.8B |
$47.0B
-1.9% YoY
|
$4.1B
+2.0% YoY
|
$6.2B
+9.1% YoY
|
18% |
| Total Loans ? |
$11.6B
+42.8% YoY
+2.6% QoQ
|
-$17.8B |
$29.4B
-0.4% YoY
|
$3.1B
+1.9% YoY
|
$3.2B
+10.8% YoY
|
31% |
| Total Deposits ? |
$11.6B
+48.2% YoY
+2.4% QoQ
|
-$26.9B |
$38.4B
-1.6% YoY
|
$3.3B
+2.8% YoY
|
$4.8B
+8.2% YoY
|
19% |
| Return on Assets ? |
1.19%
+37.7% YoY
+55.8% QoQ
|
-0.09% |
1.28%
+18.7% YoY
|
0.42%
-40.1% YoY
|
1.23%
+13.4% YoY
|
49% |
| Net Interest Margin ? |
3.49%
+18.1% YoY
+7.4% QoQ
|
-0.28% |
3.77%
+5.8% YoY
|
3.07%
+6.4% YoY
|
3.89%
+5.7% YoY
|
47% |
| Efficiency Ratio ? |
45.90%
-16.4% YoY
-16.4% QoQ
|
-8.11% |
54.01%
-3.7% YoY
|
81.63%
+9.7% YoY
|
66.95%
-4.1% YoY
|
81% |
| Delinquency Rate ? |
0.43%
-30.4% YoY
-23.8% QoQ
|
-0.59% |
1.02%
-3.8% YoY
|
0.74%
-28.2% YoY
|
0.95%
+18.8% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
100.23%
-3.6% YoY
+0.2% QoQ
|
+19.44% |
80.79%
+1.9% YoY
|
82.02%
-3.5% YoY
|
76.70%
+0.9% YoY
|
Bottom 6.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.16%
+21.7% YoY
-3.5% QoQ
|
+1.12% |
20.04%
+0.2% YoY
|
16.85%
-1.4% YoY
|
22.01%
-1.2% YoY
|
45% |
| Nonperforming Asset Ratio ? |
0.35%
-31.8% YoY
-23.0% QoQ
|
-0.37% |
0.72%
+4.2% YoY
|
0.57%
-26.7% YoY
|
0.67%
+19.3% YoY
|
70% |
| Tier 1 Capital Ratio ? |
12.35%
-3.7% YoY
-0.1% QoQ
|
-3.17% |
15.51%
-0.4% YoY
|
20.47%
+20.0% YoY
|
17.06%
+0.8% YoY
|
36% |
| Non-Interest Income / Assets ? |
0.05%
+16.6% YoY
-80.3% QoQ
|
-0.18% |
0.22%
+0.3% YoY
|
0.39%
-6.4% YoY
|
0.32%
+4.1% YoY
|
Bottom 10.9% 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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.