BlastPoint's Banking Scorecard

Cross River Bank

$1B-$10B Specialty: Other NJ FDIC cert 58410

Fort Lee, NJ

2 branches across DE · NJ

884 banks in the $1B-$10B peer group nationally 20 in NJ

Cross River Bank has 2 strengths but faces 5 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

+ Revenue Diversifier: Top 40.7% in tier
+ Net Interest Margin 1.12% above tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 23.3% in tier
- Efficiency Ratio 17.89% above tier average
- Delinquency Rate 2.60% above tier average
- Nonperforming Asset Ratio 2.22% above tier average
- ROA 0.81% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Total Assets ?	$8.7B +1.9% YoY +8.1% QoQ	+$5.9B	$2.8B -0.1% YoY	$4.1B +2.0% YoY	$6.2B +9.1% YoY	Top 3.1% in tier
Total Loans ?	$5.6B -8.3% YoY +9.0% QoQ	+$3.7B	$2.0B +0.6% YoY	$3.1B +1.9% YoY	$3.2B +10.8% YoY	Top 4.6% in tier
Total Deposits ?	$6.7B +2.5% YoY +8.7% QoQ	+$4.4B	$2.3B -0.3% YoY	$3.3B +2.8% YoY	$4.8B +8.2% YoY	Top 4.4% in tier
Return on Assets ?	0.55% -37.3% YoY +87.7% QoQ	-0.81%	1.37% +19.6% YoY	0.42% -40.1% YoY	1.23% +13.4% YoY	Bottom 10.6% in tier
Net Interest Margin ?	4.93% -14.5% YoY -11.9% QoQ	+1.12%	3.82% +6.9% YoY	3.07% +6.4% YoY	3.89% +5.7% YoY	Top 6.1% in tier
Efficiency Ratio ?	78.95% +8.3% YoY -4.7% QoQ	+17.89%	61.06% -4.6% YoY	81.63% +9.7% YoY	66.95% -4.1% YoY	Bottom 9.6% in tier
Delinquency Rate ?	3.49% -67.1% YoY -29.3% QoQ	+2.60%	0.89% +14.1% YoY	0.74% -28.2% YoY	0.95% +18.8% YoY	Bottom 3.4% in tier
Loan-to-Deposit Ratio ?	83.99% -10.5% YoY +0.2% QoQ	-0.22%	84.20% +0.3% YoY	82.02% -3.5% YoY	76.70% +0.9% YoY	56%
Non-Interest-Bearing Deposit Share ?	21.84% +30.6% YoY +0.6% QoQ	+0.55%	21.29% -2.5% YoY	16.85% -1.4% YoY	22.01% -1.2% YoY	60%
Nonperforming Asset Ratio ?	2.89% -62.1% YoY -25.3% QoQ	+2.22%	0.67% +15.6% YoY	0.57% -26.7% YoY	0.67% +19.3% YoY	Bottom 2.9% in tier
Tier 1 Capital Ratio ?	12.82% -0.4% YoY -5.0% QoQ	-2.34%	15.16% +2.0% YoY	20.47% +20.0% YoY	17.06% +0.8% YoY	45%
Non-Interest Income / Assets ?	0.52% +102.0% YoY -50.2% QoQ	+0.27%	0.26% +1.6% YoY	0.39% -6.4% YoY	0.32% +4.1% YoY	Top 5.8% in tier

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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 (1)

Revenue Diversifier

growth

#91 of 221 • Top 40.7% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.52%

(Tier: 0.26%, National: 0.32%)

better than tier avg

Return on Assets: 0.55%

(Tier: 1.37%, National: 1.23%)

but worse than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (1)

Flatlined Growth

risk

#36 of 150 • Bottom 23.3% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.55%

(Tier: 1.37%, National: 1.23%)

worse than tier avg

150 of 150 Mid-Market banks match · 687 nationally

→ Stable +32 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 884 peers in $1B-$10B

Top Strengths (5 metrics)

Total Assets

size

Value: $8.71B

Peer Median: $2.82B

#28 of 884 Top 3.1% in $1B-$10B

Total Deposits

size

Value: $6.73B

Peer Median: $2.34B

#40 of 884 Top 4.4% in $1B-$10B

Total Loans

size

Value: $5.65B

Peer Median: $1.96B

#42 of 884 Top 4.6% in $1B-$10B

Non-Interest Income / Assets

revenue_mix

Value: 0.52%

Peer Median: 0.26%

#52 of 884 Top 5.8% in $1B-$10B

Net Interest Margin

profitability

Value: 4.93%

Peer Median: 3.82%

#55 of 884 Top 6.1% in $1B-$10B

Top Weaknesses (4 metrics)

859

Nonperforming Asset Ratio

credit_quality

Value: 2.89%

Peer Median: 0.67%

#859 of 884 Bottom 2.9% in $1B-$10B

851

Delinquency Rate

credit_quality

Value: 3.49%

Peer Median: 0.89%

#851 of 880 Bottom 3.4% in $1B-$10B

800

Efficiency Ratio

profitability

Value: 78.95%

Peer Median: 61.06%

#800 of 884 Bottom 9.6% in $1B-$10B

791

Return on Assets

profitability

Value: 0.55%

Peer Median: 1.37%

#791 of 884 Bottom 10.6% in $1B-$10B