BlastPoint's Banking Scorecard

Spring Bank

$100M-$1B Specialty: Commercial NY FDIC cert 58668

Bronx, NY

2 branches across NY

2664 banks in the $100M-$1B peer group nationally 51 in NY

Spring Bank shows strong momentum with 3 strengths and 29.4% YoY asset growth

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

+ Efficiency Ratio 24.88% below tier average
+ ROA 0.17% above tier average
+ Delinquency Rate 0.09% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$646.9M +29.4% YoY +15.9% QoQ	+$260.8M	$386.1M +0.5% YoY	$19.3B +17.3% YoY	$6.2B +9.1% YoY	84%
Total Loans ?	$461.4M +37.6% YoY +23.3% QoQ	+$205.7M	$255.7M +1.1% YoY	$8.1B +14.6% YoY	$3.2B +10.8% YoY	Top 14.7% in tier
Total Deposits ?	$558.4M +36.1% YoY +18.4% QoQ	+$230.4M	$328.0M +0.1% YoY	$15.1B +16.0% YoY	$4.8B +8.2% YoY	84%
Return on Assets ?	1.44% -1.1% YoY -7.3% QoQ	+0.17%	1.27% +12.9% YoY	0.86% +14.3% YoY	1.23% +13.4% YoY	64%
Net Interest Margin ?	3.96% -13.2% YoY -8.7% QoQ	+0.03%	3.93% +6.0% YoY	3.45% +7.0% YoY	3.89% +5.7% YoY	55%
Efficiency Ratio ?	40.40% -13.3% YoY -14.8% QoQ	-24.88%	65.29% -4.5% YoY	69.17% -3.6% YoY	66.95% -4.1% YoY	Top 4.5% in tier
Delinquency Rate ?	0.80% -49.3% YoY -20.2% QoQ	-0.09%	0.89% +18.8% YoY	1.13% +6.9% YoY	0.95% +18.8% YoY	34%
Loan-to-Deposit Ratio ?	82.63% +1.1% YoY +4.1% QoQ	+5.99%	76.64% +0.8% YoY	77.98% +0.4% YoY	76.70% +0.9% YoY	40%
Non-Interest-Bearing Deposit Share ?	19.84% -6.5% YoY -0.5% QoQ	-2.18%	22.02% -1.0% YoY	21.94% +1.2% YoY	22.01% -1.2% YoY	44%
Nonperforming Asset Ratio ?	0.57% -46.0% YoY -15.2% QoQ	-0.07%	0.64% +19.7% YoY	0.73% +4.5% YoY	0.67% +19.3% YoY	34%
Tier 1 Capital Ratio ?	15.06% -12.6% YoY -5.9% QoQ	-0.77%	15.83% +1.5% YoY	24.83% +10.8% YoY	17.06% +0.8% YoY	66%
Non-Interest Income / Assets ?	0.18% +661.2% YoY +91.1% QoQ	-0.10%	0.28% +9.3% YoY	0.21% +9.1% YoY	0.32% +4.1% YoY	81%

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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 (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

121

Efficiency Ratio

profitability

Value: 40.40%

Peer Median: 65.29%

#121 of 2664 Top 4.5% in $100M-$1B

392

Total Loans

size

Value: $461.37M

Peer Median: $255.72M

#392 of 2664 Top 14.7% in $100M-$1B

415

Total Deposits

size

Value: $558.38M

Peer Median: $327.97M

#415 of 2664 Top 15.5% in $100M-$1B

423

Total Assets

size

Value: $646.92M

Peer Median: $386.08M

#423 of 2664 Top 15.8% in $100M-$1B

503

Non-Interest Income / Assets

revenue_mix

Value: 0.18%

Peer Median: 0.28%

#503 of 2664 Top 18.8% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available