BlastPoint's Banking Scorecard

Cross River Bank

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

Fort Lee, NJ

2 branches across DE · NJ

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 885 banks in the $1B-$10B peer group nationwide — 1 of 18 in NJ.
Deposits +0.5% year over year ($6.7B on the books).
Delinquency rate 2.83%.
Return on assets 0.12%.
Efficiency ratio 82.92% vs a 59.73% peer average.
Loan-to-deposit ratio 87.78% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 18 in NJ

View $1B-$10B leaderboard (NJ) →

Cross River 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

+ Net Interest Margin 1.22% above tier average
+ Non-Interest Income / Assets 0.40% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 6.7% in tier
- Return on Assets 1.27% below tier average
- Delinquency Rate 1.96% above tier average
- Nonperforming Asset Ratio 1.91% above tier average

Get updates when Cross River 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 ?	$8.5B +7.4% YoY -2.1% QoQ	+$5.7B	$2.8B -0.6% YoY	$4.4B +7.9% YoY	$6.3B +7.7% YoY	Top 3.3% in tier
Total Loans ?	$5.9B +5.2% YoY +3.9% QoQ	+$3.9B	$2.0B -0.3% YoY	$3.3B +6.8% YoY	$3.2B +9.4% YoY	Top 3.6% in tier
Total Deposits ?	$6.7B +0.5% YoY -0.6% QoQ	+$4.4B	$2.3B -0.5% YoY	$3.6B +8.2% YoY	$4.9B +7.3% YoY	Top 4.1% in tier
Return on Assets ?	0.12% -78.3% YoY -77.7% QoQ	-1.27%	1.39% +17.0% YoY	0.53% -11.1% YoY	1.30% +12.1% YoY	Bottom 2.3% in tier
Net Interest Margin ?	5.10% -9.8% YoY +3.3% QoQ	+1.22%	3.87% +6.2% YoY	3.11% +4.3% YoY	3.95% +4.9% YoY	Top 4.4% in tier
Efficiency Ratio ?	82.92% +5.5% YoY +5.0% QoQ	+23.20%	59.73% -12.6% YoY	78.52% +3.6% YoY	70.05% +2.5% YoY	Bottom 5.0% in tier
Delinquency Rate ?	2.83% -9.8% YoY -18.9% QoQ	+1.96%	0.87% +11.7% YoY	0.69% -16.2% YoY	0.98% +16.3% YoY	Bottom 4.8% in tier
Loan-to-Deposit Ratio ?	87.78% +4.6% YoY +4.5% QoQ	+2.75%	85.04% -0.1% YoY	81.90% -3.2% YoY	79.03% +2.3% YoY	49%
Non-Interest-Bearing Deposit Share ?	20.28% +16.5% YoY -7.2% QoQ	-1.00%	21.27% -1.5% YoY	16.56% -0.1% YoY	21.98% -0.6% YoY	52%
Nonperforming Asset Ratio ?	2.59% +17.4% YoY -10.6% QoQ	+1.91%	0.67% +11.7% YoY	0.61% -0.3% YoY	0.69% +15.8% YoY	Bottom 3.7% in tier
Tier 1 Capital Ratio ?	11.78% -8.2% YoY -8.1% QoQ	-3.06%	14.84% -0.4% YoY	19.31% +2.7% YoY	17.09% +0.8% YoY	29%
Non-Interest Income / Assets ?	0.93% +121.8% YoY +77.0% QoQ	+0.40%	0.53% +2.5% YoY	0.77% -2.9% YoY	0.66% +5.2% YoY	Top 7.2% 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	20.3% +2.9pp YoY -1.6pp QoQ	-1.1pp	21.4%	16.6%	22.2%	52%
Brokered Deposits	42.1% -8.1pp YoY +4.2pp QoQ	+32.7pp	9.5%	10.1%	8.5%	97%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
C&I	2.3% +1.2pp YoY +1.1pp QoQ	-11.7pp	14.0%	6.5%	12.5%	7%
CRE	22.8% -4.7pp YoY +1.2pp QoQ	-27.3pp	50.0%	56.3%	41.4%	6%
1-4 Family	0.7% -0.1pp YoY 0.0pp QoQ	-25.7pp	26.4%	39.4%	31.3%	2%
Consumer	47.0% -1.4pp YoY -2.4pp QoQ	+42.3pp	4.7%	4.3%	5.0%	98%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	18.8%	19.7%	n/a
Leverage Ratio	11.8% -1.1pp YoY -1.0pp QoQ	+0.5pp	11.3%	13.4%	12.6%	74%
Total Capital Ratio	n/a	n/a	16.7%	19.8%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Full-Time Employees	938 +49 (+5.5%) YoY +20 (+2.2%) QoQ	+624	313	336	482	97%
Assets per Employee ($)	$9.1M +1.8% YoY -4.2% QoQ	-$1.4M	$10.5M	$11.2M	$8.8M	55%
Branch Count	2 +1 (+100.0%) YoY 0 QoQ	-18	20	20	18	5%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% -0.2pp YoY -0.4pp QoQ	0.0pp	0.2%	0.1%	0.4%	78%
Nonaccrual	3.7% +0.8pp YoY -0.3pp QoQ	+2.8pp	0.8%	0.8%	1.0%	98%
Allowance Coverage	0.49x -25.7% YoY +69.8% QoQ	-18.22x	18.71x	6.57x	20.23x	6%
Net Charge-off Rate (YTD)	2.8% +1.8pp YoY -2.8pp QoQ	+2.6pp	0.3%	0.2%	0.2%	98%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
ROE	1.0% -3.5pp YoY -3.4pp QoQ	-11.6pp	12.6%	6.4%	11.6%	2%
Cost of Funds (YTD)	2.5% -1.1pp YoY +0.1pp QoQ	+0.6pp	1.9%	1.9%	1.7%	84%
Net Income ($, YTD)	$5.2M -77.8% YoY — QoQ	-$14.1M	$19.2M	$19.8M	$40.4M	12%

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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

#5 of 60 • Bottom 6.7% in tier

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

Why this signature

Efficiency Ratio: 82.92%

(Tier: 59.73%, National: 70.05%)

worse than tier avg

60 of 60 Mid-Market banks match · 426 nationally

↓ Shrinking -64 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 885 peers in $1B-$10B

Top Strengths (5 metrics)

Total Assets

size

Value: $8.53B

Peer Median: $2.79B

#30 of 885 Top 3.3% in $1B-$10B

Total Loans

size

Value: $5.87B

Peer Median: $1.96B

#33 of 885 Top 3.6% in $1B-$10B

Total Deposits

size

Value: $6.68B

Peer Median: $2.32B

#37 of 885 Top 4.1% in $1B-$10B

Net Interest Margin

profitability

Value: 5.10%

Peer Median: 3.87%

#40 of 885 Top 4.4% in $1B-$10B

Non-Interest Income / Assets

revenue_mix

Value: 0.93%

Peer Median: 0.53%

#65 of 885 Top 7.2% in $1B-$10B

Top Weaknesses (4 metrics)

866

Return on Assets

profitability

Value: 0.12%

Peer Median: 1.39%

#866 of 885 Bottom 2.3% in $1B-$10B

853

Nonperforming Asset Ratio

credit_quality

Value: 2.59%

Peer Median: 0.67%

#853 of 885 Bottom 3.7% in $1B-$10B

841

Delinquency Rate

credit_quality

Value: 2.83%

Peer Median: 0.87%

#841 of 882 Bottom 4.8% in $1B-$10B

842

Efficiency Ratio

profitability

Value: 82.92%

Peer Median: 59.73%

#842 of 885 Bottom 5.0% in $1B-$10B