BlastPoint's Banking Scorecard
Spring Bank
Bronx, NY
2 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 +27.6% year over year ($549.1M on the books).
- Delinquency rate 0.60%.
- Return on assets 1.71%.
- Efficiency ratio 41.20% vs a 64.48% peer average.
- Loan-to-deposit ratio 82.15% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Spring Bank shows strong momentum with 4 strengths and 24.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 23.27% below tier average
- + ROA 0.39% above tier average
- + Net Interest Margin 0.12% above tier average
- + Delinquency Rate 0.32% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$641.0M
+24.1% YoY
-0.9% QoQ
|
+$254.4M |
$386.6M
+1.2% YoY
|
$19.3B
+10.2% YoY
|
$6.3B
+7.7% YoY
|
84% |
| Total Loans ? |
$451.1M
+33.9% YoY
-2.2% QoQ
|
+$192.8M |
$258.3M
+1.7% YoY
|
$8.2B
+12.4% YoY
|
$3.2B
+9.4% YoY
|
84% |
| Total Deposits ? |
$549.1M
+27.6% YoY
-1.7% QoQ
|
+$222.4M |
$326.7M
+0.7% YoY
|
$14.8B
+8.7% YoY
|
$4.9B
+7.3% YoY
|
84% |
| Return on Assets ? |
1.71%
+8.5% YoY
+18.9% QoQ
|
+0.39% |
1.32%
+10.8% YoY
|
0.94%
+14.0% YoY
|
1.30%
+12.1% YoY
|
76% |
| Net Interest Margin ? |
4.11%
-7.6% YoY
+3.6% QoQ
|
+0.12% |
3.99%
+5.0% YoY
|
3.52%
+6.2% YoY
|
3.95%
+4.9% YoY
|
59% |
| Efficiency Ratio ? |
41.20%
-12.5% YoY
+2.0% QoQ
|
-23.27% |
64.48%
-3.2% YoY
|
67.96%
-1.8% YoY
|
70.05%
+2.5% YoY
|
Top 5.1% in tier |
| Delinquency Rate ? |
0.60%
-61.2% YoY
-24.4% QoQ
|
-0.32% |
0.92%
+15.7% YoY
|
1.19%
+15.7% YoY
|
0.98%
+16.3% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
82.15%
+4.9% YoY
-0.6% QoQ
|
+4.20% |
77.95%
+1.0% YoY
|
79.34%
+1.1% YoY
|
79.03%
+2.3% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
20.15%
-7.1% YoY
+1.6% QoQ
|
-1.88% |
22.03%
-0.6% YoY
|
22.09%
+0.6% YoY
|
21.98%
-0.6% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.42%
-58.2% YoY
-25.4% QoQ
|
-0.24% |
0.67%
+16.4% YoY
|
0.79%
+14.5% YoY
|
0.69%
+15.8% YoY
|
43% |
| Tier 1 Capital Ratio ? |
14.59%
-12.3% YoY
-3.1% QoQ
|
-1.32% |
15.91%
+1.4% YoY
|
23.90%
+5.3% YoY
|
17.09%
+0.8% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.28%
+501.5% YoY
+57.6% QoQ
|
-0.29% |
0.57%
+7.6% YoY
|
0.52%
+23.2% YoY
|
0.66%
+5.2% YoY
|
69% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
20.2%
-1.5pp YoY +0.3pp QoQ |
-2.0pp | 22.1% | 22.1% | 22.2% | 46% |
| Brokered Deposits |
21.4%
+1.0pp YoY -0.7pp QoQ |
+13.5pp | 7.9% | 8.0% | 8.5% | 92% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.3%
+0.4pp YoY 0.0pp QoQ |
-4.3pp | 11.6% | 11.0% | 12.5% | 34% |
| CRE |
83.1%
+1.7pp YoY -1.0pp QoQ |
+43.6pp | 39.5% | 46.2% | 41.4% | 98% |
| 1-4 Family |
11.1%
-1.9pp YoY +1.0pp QoQ |
-21.6pp | 32.6% | 36.6% | 31.3% | 12% |
| Consumer |
0.3%
-0.2pp YoY 0.0pp QoQ |
-3.8pp | 4.1% | 5.1% | 5.0% | 11% |
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 |
14.6%
-2.0pp YoY -0.5pp QoQ |
+2.4pp | 12.2% | 13.9% | 12.6% | 85% |
| 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 |
47
+2 (+4.4%) YoY +1 (+2.2%) QoQ |
-12 | 58 | 914 | 482 | 49% |
| Assets per Employee ($) |
$13.6M
+18.8% YoY -3.0% QoQ |
+$6.1M | $7.5M | $14.8M | $8.8M | 96% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 27 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.6%
-1.0pp YoY -0.2pp QoQ |
-0.3pp | 0.9% | 1.3% | 1.0% | 58% |
| Allowance Coverage |
2.03x
+153.0% YoY +33.4% QoQ |
-22.12x | 24.15x | 1.92x | 20.23x | 48% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 72% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.2%
+2.2pp YoY +2.0pp QoQ |
0.0pp | 12.2% | 7.9% | 11.6% | 50% |
| Cost of Funds (YTD) |
2.5%
0.0pp YoY +0.1pp QoQ |
+0.8pp | 1.7% | 1.8% | 1.7% | 90% |
| Net Income ($, YTD) |
$5.3M
+34.5% YoY — QoQ |
+$2.7M | $2.6M | $111.2M | $40.4M | 89% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.