BlastPoint's Banking Scorecard

Global Bank

$100M-$1B Specialty: Commercial NY FDIC cert 58263

Designations: ✓ Minority Depository Institution

New York, NY

3 branches across NY

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 +6.6% year over year ($212.8M on the books).
Delinquency rate 4.54%.
Return on assets -0.02%.
Efficiency ratio 91.39% vs a 64.48% peer average.
Loan-to-deposit ratio 115.55% 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) →

Global Bank faces 6 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 5.0% in tier
- Return on Assets 1.35% below tier average
- Delinquency Rate 3.62% above tier average
- Loan-to-Deposit Ratio 37.60% above tier average
- Nonperforming Asset Ratio 3.32% above tier average
- Net Interest Margin 0.55% below tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$304.2M +13.9% YoY +8.8% QoQ	-$82.3M	$386.6M +1.2% YoY	$19.3B +10.2% YoY	$6.3B +7.7% YoY	47%
Total Loans ?	$245.8M +9.3% YoY +9.8% QoQ	-$12.5M	$258.3M +1.7% YoY	$8.2B +12.4% YoY	$3.2B +9.4% YoY	58%
Total Deposits ?	$212.8M +6.6% YoY +4.3% QoQ	-$114.0M	$326.7M +0.7% YoY	$14.8B +8.7% YoY	$4.9B +7.3% YoY	37%
Return on Assets ?	-0.02% -103.1% YoY -110.6% QoQ	-1.35%	1.32% +10.8% YoY	0.94% +14.0% YoY	1.30% +12.1% YoY	Bottom 3.2% in tier
Net Interest Margin ?	3.44% -15.1% YoY -0.4% QoQ	-0.55%	3.99% +5.0% YoY	3.52% +6.2% YoY	3.95% +4.9% YoY	25%
Efficiency Ratio ?	91.39% +23.6% YoY +5.3% QoQ	+26.91%	64.48% -3.2% YoY	67.96% -1.8% YoY	70.05% +2.5% YoY	Bottom 4.9% in tier
Delinquency Rate ?	4.54% +52.5% YoY +27.0% QoQ	+3.62%	0.92% +15.7% YoY	1.19% +15.7% YoY	0.98% +16.3% YoY	Bottom 3.0% in tier
Loan-to-Deposit Ratio ?	115.55% +2.5% YoY +5.3% QoQ	+37.60%	77.95% +1.0% YoY	79.34% +1.1% YoY	79.03% +2.3% YoY	Bottom 1.9% in tier
Non-Interest-Bearing Deposit Share ?	13.41% +17.1% YoY +2.1% QoQ	-8.62%	22.03% -0.6% YoY	22.09% +0.6% YoY	21.98% -0.6% YoY	19%
Nonperforming Asset Ratio ?	3.99% +59.2% YoY +24.2% QoQ	+3.32%	0.67% +16.4% YoY	0.79% +14.5% YoY	0.69% +15.8% YoY	Bottom 1.7% in tier
Tier 1 Capital Ratio ?	12.11% -10.9% YoY -8.1% QoQ	-3.80%	15.91% +1.4% YoY	23.90% +5.3% YoY	17.09% +0.8% YoY	37%
Non-Interest Income / Assets ?	0.09% +27.4% YoY +233.1% QoQ	-0.48%	0.57% +7.6% YoY	0.52% +23.2% YoY	0.66% +5.2% YoY	Bottom 14.4% 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 (NY)	National Avg	Tier Percentile
Noninterest-Bearing	13.4% +2.0pp YoY +0.3pp QoQ	-8.7pp	22.1%	22.1%	22.2%	18%
Brokered Deposits	5.8% -1.3pp YoY -0.2pp QoQ	-2.1pp	7.9%	8.0%	8.5%	58%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
C&I	0.5% -0.4pp YoY -0.1pp QoQ	-11.0pp	11.6%	11.0%	12.5%	2%
CRE	n/a	n/a	39.5%	46.2%	41.4%	n/a
1-4 Family	40.3% +14.6pp YoY +4.5pp QoQ	+7.7pp	32.6%	36.6%	31.3%	71%
Consumer	n/a	n/a	4.1%	5.1%	5.0%	n/a

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	12.1% -1.5pp YoY -1.1pp QoQ	-0.1pp	12.2%	13.9%	12.6%	66%
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	40 +4 (+11.1%) YoY 0 QoQ	-19	58	914	482	41%
Assets per Employee ($)	$7.6M +2.5% YoY +8.8% QoQ	+$88K	$7.5M	$14.8M	$8.8M	62%
Branch Count	3 +1 (+50.0%) YoY 0 QoQ	-2	4	27	18	26%

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	4.5% +3.9pp YoY +1.0pp QoQ	+3.6pp	0.9%	1.3%	1.0%	97%
Allowance Coverage	0.22x -42.3% YoY -23.1% QoQ	-23.93x	24.15x	1.92x	20.23x	2%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	24%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
ROE	-0.2% -6.1pp YoY -2.0pp QoQ	-12.4pp	12.2%	7.9%	11.6%	3%
Cost of Funds (YTD)	2.9% -0.3pp YoY 0.0pp QoQ	+1.2pp	1.7%	1.8%	1.7%	97%
Net Income ($, YTD)	$-35000.0 -103.4% YoY — QoQ	-$2.6M	$2.6M	$111.2M	$40.4M	3%

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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)

Efficiency Drag

risk

#19 of 361 • Bottom 5.0% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 91.39%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 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 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (8 metrics)

2598

Nonperforming Asset Ratio

credit_quality

Value: 3.99%

Peer Median: 0.67%

#2598 of 2643 Bottom 1.7% in $100M-$1B

2593

Loan-to-Deposit Ratio

liquidity

Value: 115.55%

Peer Median: 77.95%

#2593 of 2643 Bottom 1.9% in $100M-$1B

2554

Delinquency Rate

credit_quality

Value: 4.54%

Peer Median: 0.92%

#2554 of 2633 Bottom 3.0% in $100M-$1B

2560

Return on Assets

profitability

Value: -0.02%

Peer Median: 1.32%

#2560 of 2643 Bottom 3.2% in $100M-$1B

2514

Efficiency Ratio

profitability

Value: 91.39%

Peer Median: 64.48%

#2514 of 2643 Bottom 4.9% in $100M-$1B

2264

Non-Interest Income / Assets

revenue_mix

Value: 0.09%

Peer Median: 0.57%

#2264 of 2643 Bottom 14.4% in $100M-$1B

2152

Non-Interest-Bearing Deposit Share

funding

Value: 13.41%

Peer Median: 22.03%

#2152 of 2643 Bottom 18.6% in $100M-$1B

1989

Net Interest Margin

profitability

Value: 3.44%

Peer Median: 3.99%

#1989 of 2643 Bottom 24.8% in $100M-$1B