BlastPoint's Banking Scorecard
NewBank
Designations: ✓ Minority Depository Institution
Flushing, NY
6 branches across NJ · NY
NewBank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.25% above tier average
- + Efficiency Ratio 4.34% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 2.9% in tier
- - Delinquency Rate 2.18% above tier average
- - Nonperforming Asset Ratio 1.51% above tier average
- - ROA 0.84% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$614.3M
-1.1% YoY
-3.6% QoQ
|
+$228.2M |
$386.1M
+0.5% YoY
|
$19.3B
+17.3% YoY
|
$6.2B
+9.1% YoY
|
81% |
| Total Loans ? |
$431.4M
+12.5% YoY
+2.1% QoQ
|
+$175.6M |
$255.7M
+1.1% YoY
|
$8.1B
+14.6% YoY
|
$3.2B
+10.8% YoY
|
83% |
| Total Deposits ? |
$514.9M
-2.0% YoY
-3.5% QoQ
|
+$186.9M |
$328.0M
+0.1% YoY
|
$15.1B
+16.0% YoY
|
$4.8B
+8.2% YoY
|
81% |
| Return on Assets ? |
0.43%
-61.7% YoY
-67.7% QoQ
|
-0.84% |
1.27%
+12.9% YoY
|
0.86%
+14.3% YoY
|
1.23%
+13.4% YoY
|
Bottom 11.2% in tier |
| Net Interest Margin ? |
4.19%
+0.8% YoY
-3.5% QoQ
|
+0.25% |
3.93%
+6.0% YoY
|
3.45%
+7.0% YoY
|
3.89%
+5.7% YoY
|
68% |
| Efficiency Ratio ? |
60.95%
+5.3% YoY
+7.6% QoQ
|
-4.34% |
65.29%
-4.5% YoY
|
69.17%
-3.6% YoY
|
66.95%
-4.1% YoY
|
57% |
| Delinquency Rate ? |
3.07%
+95.4% YoY
-3.2% QoQ
|
+2.18% |
0.89%
+18.8% YoY
|
1.13%
+6.9% YoY
|
0.95%
+18.8% YoY
|
Bottom 5.8% in tier |
| Loan-to-Deposit Ratio ? |
83.78%
+14.8% YoY
+5.8% QoQ
|
+7.14% |
76.64%
+0.8% YoY
|
77.98%
+0.4% YoY
|
76.70%
+0.9% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
27.59%
+15.6% YoY
+7.3% QoQ
|
+5.57% |
22.02%
-1.0% YoY
|
21.94%
+1.2% YoY
|
22.01%
-1.2% YoY
|
75% |
| Nonperforming Asset Ratio ? |
2.15%
+122.1% YoY
+2.5% QoQ
|
+1.51% |
0.64%
+19.7% YoY
|
0.73%
+4.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 5.6% in tier |
| Tier 1 Capital Ratio ? |
14.35%
+8.5% YoY
+1.2% QoQ
|
-1.48% |
15.83%
+1.5% YoY
|
24.83%
+10.8% YoY
|
17.06%
+0.8% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.13%
-12.8% YoY
-75.6% QoQ
|
-0.15% |
0.28%
+9.3% YoY
|
0.21%
+9.1% YoY
|
0.32%
+4.1% YoY
|
65% |
Get Full Access to NewBank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.