BlastPoint's Banking Scorecard

NewBank

$100M-$1B Specialty: Commercial NY FDIC cert 58203

Designations: ✓ Minority Depository Institution

Flushing, NY

7 branches across NJ · NY · CO

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 48 in NY.
Deposits -2.8% year over year ($517.7M on the books).
Delinquency rate 2.69%.
Return on assets 0.83%.
Efficiency ratio 59.61% vs a 64.48% peer average.
Loan-to-deposit ratio 88.58% 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 48 in NY

View $100M-$1B leaderboard (NY) →

NewBank has 2 strengths but faces 3 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

+ Net Interest Margin 0.27% above tier average
+ Efficiency Ratio 4.87% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 0.7% in tier
- Delinquency Rate 1.77% above tier average
- Nonperforming Asset Ratio 1.33% above tier average

Get updates when NewBank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$618.0M -2.4% YoY +0.6% QoQ	+$231.4M	$386.6M +1.2% YoY	$19.3B +10.2% YoY	$6.3B +7.7% YoY	82%
Total Loans ?	$458.6M +13.1% YoY +6.3% QoQ	+$200.2M	$258.3M +1.7% YoY	$8.2B +12.4% YoY	$3.2B +9.4% YoY	85%
Total Deposits ?	$517.7M -2.8% YoY +0.5% QoQ	+$190.9M	$326.7M +0.7% YoY	$14.8B +8.7% YoY	$4.9B +7.3% YoY	82%
Return on Assets ?	0.83% -38.3% YoY +95.2% QoQ	-0.49%	1.32% +10.8% YoY	0.94% +14.0% YoY	1.30% +12.1% YoY	25%
Net Interest Margin ?	4.26% +0.2% YoY +1.8% QoQ	+0.27%	3.99% +5.0% YoY	3.52% +6.2% YoY	3.95% +4.9% YoY	68%
Efficiency Ratio ?	59.61% +5.0% YoY -2.2% QoQ	-4.87%	64.48% -3.2% YoY	67.96% -1.8% YoY	70.05% +2.5% YoY	58%
Delinquency Rate ?	2.69% +56.8% YoY -12.3% QoQ	+1.77%	0.92% +15.7% YoY	1.19% +15.7% YoY	0.98% +16.3% YoY	Bottom 7.6% in tier
Loan-to-Deposit Ratio ?	88.58% +16.4% YoY +5.7% QoQ	+10.63%	77.95% +1.0% YoY	79.34% +1.1% YoY	79.03% +2.3% YoY	29%
Non-Interest-Bearing Deposit Share ?	26.10% +3.4% YoY -5.4% QoQ	+4.07%	22.03% -0.6% YoY	22.09% +0.6% YoY	21.98% -0.6% YoY	70%
Nonperforming Asset Ratio ?	2.00% +81.7% YoY -7.3% QoQ	+1.33%	0.67% +16.4% YoY	0.79% +14.5% YoY	0.69% +15.8% YoY	Bottom 7.1% in tier
Tier 1 Capital Ratio ?	15.00% +8.2% YoY +4.5% QoQ	-0.91%	15.91% +1.4% YoY	23.90% +5.3% YoY	17.09% +0.8% YoY	66%
Non-Interest Income / Assets ?	0.26% -0.8% YoY +108.7% QoQ	-0.30%	0.57% +7.6% YoY	0.52% +23.2% YoY	0.66% +5.2% YoY	65%

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 (NY)	National Avg	Tier Percentile
Noninterest-Bearing	26.1% +0.9pp YoY -1.5pp QoQ	+4.0pp	22.1%	22.1%	22.2%	70%
Brokered Deposits	0.2% +0.2pp QoQ	-7.7pp	7.9%	8.0%	8.5%	7%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
C&I	13.9% -2.3pp YoY -0.8pp QoQ	+2.3pp	11.6%	11.0%	12.5%	72%
CRE	78.2% -4.5pp YoY -1.8pp QoQ	+38.6pp	39.5%	46.2%	41.4%	97%
1-4 Family	9.6% +7.0pp YoY +2.6pp QoQ	-23.0pp	32.6%	36.6%	31.3%	10%
Consumer	0.0% 0.0pp YoY -0.1pp QoQ	-4.1pp	4.1%	5.1%	5.0%	0%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	26.1%	19.7%	n/a
Leverage Ratio	15.0% +1.1pp YoY +0.6pp QoQ	+2.8pp	12.2%	13.9%	12.6%	87%
Total Capital Ratio	n/a	n/a	19.9%	27.2%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Full-Time Employees	67 +3 (+4.7%) YoY +6 (+9.8%) QoQ	+8	58	914	482	68%
Assets per Employee ($)	$9.2M -6.8% YoY -8.4% QoQ	+$1.7M	$7.5M	$14.8M	$8.8M	81%
Branch Count	7 +1 (+16.7%) YoY +1 (+16.7%) QoQ	+2	4	27	18	75%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	2.7% +1.0pp YoY -0.4pp QoQ	+1.8pp	0.9%	1.3%	1.0%	92%
Allowance Coverage	0.56x -26.6% YoY +8.8% QoQ	-23.60x	24.15x	1.92x	20.23x	12%
Net Charge-off Rate (YTD)	0.7% +0.6pp YoY -0.3pp QoQ	+0.5pp	0.1%	0.1%	0.2%	96%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
ROE	5.8% -4.5pp YoY +2.8pp QoQ	-6.4pp	12.2%	7.9%	11.6%	16%
Cost of Funds (YTD)	2.3% -0.4pp YoY 0.0pp QoQ	+0.6pp	1.7%	1.8%	1.7%	85%
Net Income ($, YTD)	$2.6M -39.7% YoY — QoQ	+$30K	$2.6M	$111.2M	$40.4M	63%

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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)

Margin Compression

decline

#3 of 307 • Bottom 0.7% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 0.83%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

398

Total Loans

size

Value: $458.57M

Peer Median: $258.35M

#398 of 2643 Top 15.0% in $100M-$1B

484

Total Assets

size

Value: $617.99M

Peer Median: $386.57M

#484 of 2643 Top 18.3% in $100M-$1B

486

Total Deposits

size

Value: $517.68M

Peer Median: $326.73M

#486 of 2643 Top 18.4% in $100M-$1B

Top Weaknesses (3 metrics)

2456

Nonperforming Asset Ratio

credit_quality

Value: 2.00%

Peer Median: 0.67%

#2456 of 2643 Bottom 7.1% in $100M-$1B

2434

Delinquency Rate

credit_quality

Value: 2.69%

Peer Median: 0.92%

#2434 of 2633 Bottom 7.6% in $100M-$1B

1991

Return on Assets

profitability

Value: 0.83%

Peer Median: 1.32%

#1991 of 2643 Bottom 24.7% in $100M-$1B