BlastPoint's Banking Scorecard

ConnectOne Bank

$10B-$250B Specialty: Commercial NJ FDIC cert 57919

Designations: ✓ Community bank

Englewood Cliffs, NJ

57 branches across NY · NJ · FL

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 139 banks in the $10B-$250B peer group nationwide — 1 of 5 in NJ.
Deposits +3.4% year over year ($11.8B on the books).
Delinquency rate 0.69%.
Return on assets 1.24%.
Efficiency ratio 43.75% vs a 53.67% peer average.
Loan-to-deposit ratio 99.43% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 5 in NJ

View $10B-$250B leaderboard (NJ) →

ConnectOne Bank has 2 strengths 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

+ Efficiency Ratio 9.92% below tier average
+ Delinquency Rate 0.33% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 39.0% in tier
- Loan-to-Deposit Ratio 16.82% above tier average
- ROA 0.15% below tier average
- Net Interest Margin 0.37% below tier average

Get updates when ConnectOne 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 ?	$14.4B +3.6% YoY +1.4% QoQ	-$29.2B	$43.6B -13.8% YoY	$4.4B +7.9% YoY	$6.3B +7.7% YoY	19%
Total Loans ?	$11.7B +6.5% YoY +1.2% QoQ	-$16.2B	$28.0B -8.6% YoY	$3.3B +6.8% YoY	$3.2B +9.4% YoY	30%
Total Deposits ?	$11.8B +3.4% YoY +2.0% QoQ	-$23.6B	$35.4B -14.0% YoY	$3.6B +8.2% YoY	$4.9B +7.3% YoY	19%
Return on Assets ?	1.24% +4.0% QoQ	-0.15%	1.39% +25.9% YoY	0.53% -11.1% YoY	1.30% +12.1% YoY	49%
Net Interest Margin ?	3.55% +22.3% YoY +1.5% QoQ	-0.37%	3.92% +8.9% YoY	3.11% +4.3% YoY	3.95% +4.9% YoY	44%
Efficiency Ratio ?	43.75% -37.8% YoY -4.7% QoQ	-9.92%	53.67% -1.9% YoY	78.52% +3.6% YoY	70.05% +2.5% YoY	83%
Delinquency Rate ?	0.69% +93.5% YoY +61.3% QoQ	-0.33%	1.01% -2.8% YoY	0.69% -16.2% YoY	0.98% +16.3% YoY	52%
Loan-to-Deposit Ratio ?	99.43% +3.1% YoY -0.8% QoQ	+16.82%	82.61% +3.1% YoY	81.90% -3.2% YoY	79.03% +2.3% YoY	Bottom 8.6% in tier
Non-Interest-Bearing Deposit Share ?	21.77% -2.8% YoY +2.9% QoQ	+1.19%	20.58% +4.9% YoY	16.56% -0.1% YoY	21.98% -0.6% YoY	45%
Nonperforming Asset Ratio ?	0.56% +99.0% YoY +60.9% QoQ	-0.17%	0.73% +5.8% YoY	0.61% -0.3% YoY	0.69% +15.8% YoY	44%
Tier 1 Capital Ratio ?	12.31% +0.7% YoY -0.3% QoQ	-3.04%	15.35% -0.4% YoY	19.31% +2.7% YoY	17.09% +0.8% YoY	35%
Non-Interest Income / Assets ?	0.10% +60.6% YoY +115.7% QoQ	-0.39%	0.50% +10.5% YoY	0.77% -2.9% YoY	0.66% +5.2% YoY	Bottom 10.1% in tier

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	21.8% -0.6pp YoY +0.6pp QoQ	+0.7pp	21.0%	16.6%	22.2%	43%
Brokered Deposits	8.6% -1.7pp YoY -0.4pp QoQ	-0.7pp	9.2%	10.1%	8.5%	67%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
C&I	8.7% -1.5pp YoY 0.0pp QoQ	-8.4pp	17.2%	6.5%	12.5%	14%
CRE	75.5% +2.2pp YoY +0.5pp QoQ	+33.5pp	42.0%	56.3%	41.4%	98%
1-4 Family	13.2% -1.4pp YoY -0.2pp QoQ	-9.9pp	23.1%	39.4%	31.3%	25%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-12.9pp	12.9%	4.3%	5.0%	2%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
CET1 Ratio	12.3% +0.1pp YoY 0.0pp QoQ	-3.0pp	15.3%	18.8%	19.7%	36%
Leverage Ratio	10.8% -2.0pp YoY 0.0pp QoQ	+0.4pp	10.4%	13.4%	12.6%	69%
Total Capital Ratio	13.2% 0.0pp YoY -0.1pp QoQ	-3.3pp	16.5%	19.8%	20.8%	21%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Full-Time Employees	761 +3 (+0.4%) YoY +22 (+3.0%) QoQ	-2,497	3,258	336	482	14%
Assets per Employee ($)	$18.9M +3.2% YoY -1.5% QoQ	-$8.1M	$27.0M	$11.2M	$8.8M	73%
Branch Count	57 -1 (-1.7%) YoY 0 QoQ	-81	137	20	18	37%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -0.1pp QoQ	-0.4pp	0.4%	0.1%	0.4%	27%
Nonaccrual	0.7% +0.3pp YoY +0.3pp QoQ	0.0pp	0.7%	0.8%	1.0%	53%
Allowance Coverage	1.73x -56.5% YoY -43.9% QoQ	-1.08x	2.81x	6.57x	20.23x	51%
Net Charge-off Rate (YTD)	0.5% +0.3pp YoY +0.2pp QoQ	0.0pp	0.4%	0.2%	0.2%	83%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
ROE	10.1% +9.6pp YoY +0.4pp QoQ	-2.5pp	12.6%	6.4%	11.6%	42%
Cost of Funds (YTD)	2.2% -0.1pp YoY 0.0pp QoQ	+0.3pp	2.0%	1.9%	1.7%	68%
Net Income ($, YTD)	$88.0M +2061.6% YoY — QoQ	-$208.8M	$296.8M	$19.8M	$40.4M	24%

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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)

Credit Risk Growth

risk

#24 of 59 • Bottom 39.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

59 of 59 Large banks match · 1401 nationally

→ Stable -58 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 139 peers in $10B-$250B

Top Strengths (1 metrics)

Efficiency Ratio

profitability

Value: 43.75%

Peer Median: 53.67%

#24 of 139 Top 16.5% in $10B-$250B

Top Weaknesses (4 metrics)

128

Loan-to-Deposit Ratio

liquidity

Value: 99.43%

Peer Median: 82.61%

#128 of 139 Bottom 8.6% in $10B-$250B

126

Non-Interest Income / Assets

revenue_mix

Value: 0.10%

Peer Median: 0.50%

#126 of 139 Bottom 10.1% in $10B-$250B

113

Total Deposits

size

Value: $11.80B

Peer Median: $35.42B

#113 of 139 Bottom 19.4% in $10B-$250B

113

Total Assets

size

Value: $14.40B

Peer Median: $43.60B

#113 of 139 Bottom 19.4% in $10B-$250B