BlastPoint

BlastPoint's Banking Scorecard

Hanover Community Bank

$1B-$10B Specialty: Commercial NY FDIC cert 58675

Designations: ✓ Community bank

Garden City Park, NY

10 branches across NY · 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 40 in NY.
  • Deposits +3.2% year over year ($2.0B on the books).
  • Delinquency rate 1.43%.
  • Return on assets 0.63%.
  • Efficiency ratio 72.08% vs a 59.73% peer average.
  • Loan-to-deposit ratio 98.44% 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 40 in NY
View $1B-$10B leaderboard (NY) →

Hanover Community 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

  • - Flatlined Growth: Bottom 17.9% in tier
  • - Liquidity Strain: Bottom 24.7% in tier
  • - Credit Risk Growth: Bottom 32.8% in tier
  • - ROA 0.76% below tier average
  • - Net Interest Margin 0.79% below tier average
  • - Efficiency Ratio 12.36% above tier average
Get updates when Hanover Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Total Assets ? $2.3B
+1.0% YoY -1.5% QoQ
-$458.4M $2.8B
-0.6% YoY
$19.3B
+10.2% YoY
$6.3B
+7.7% YoY
58%
Total Loans ? $2.0B
+1.3% YoY -0.4% QoQ
+$18.5M $2.0B
-0.3% YoY
$8.2B
+12.4% YoY
$3.2B
+9.4% YoY
67%
Total Deposits ? $2.0B
+3.2% YoY -1.9% QoQ
-$305.8M $2.3B
-0.5% YoY
$14.8B
+8.7% YoY
$4.9B
+7.3% YoY
60%
Return on Assets ? 0.63%
+58.3% YoY +48.6% QoQ
-0.76% 1.39%
+17.0% YoY
0.94%
+14.0% YoY
1.30%
+12.1% YoY
Bottom 10.4% in tier
Net Interest Margin ? 3.08%
+13.2% YoY +1.2% QoQ
-0.79% 3.87%
+6.2% YoY
3.52%
+6.2% YoY
3.95%
+4.9% YoY
18%
Efficiency Ratio ? 72.08%
-5.7% YoY -8.3% QoQ
+12.36% 59.73%
-12.6% YoY
67.96%
-1.8% YoY
70.05%
+2.5% YoY
17%
Delinquency Rate ? 1.43%
+61.4% YoY +15.7% QoQ
+0.56% 0.87%
+11.7% YoY
1.19%
+15.7% YoY
0.98%
+16.3% YoY
18%
Loan-to-Deposit Ratio ? 98.44%
-1.8% YoY +1.5% QoQ
+13.41% 85.04%
-0.1% YoY
79.34%
+1.1% YoY
79.03%
+2.3% YoY
19%
Non-Interest-Bearing Deposit Share ? 12.64%
+1.1% YoY -2.7% QoQ
-8.63% 21.27%
-1.5% YoY
22.09%
+0.6% YoY
21.98%
-0.6% YoY
17%
Nonperforming Asset Ratio ? 1.24%
+65.6% YoY +16.6% QoQ
+0.57% 0.67%
+11.7% YoY
0.79%
+14.5% YoY
0.69%
+15.8% YoY
15%
Tier 1 Capital Ratio ? 13.59%
+3.3% YoY +2.0% QoQ
-1.25% 14.84%
-0.4% YoY
23.90%
+5.3% YoY
17.09%
+0.8% YoY
58%
Non-Interest Income / Assets ? 0.24%
-24.8% YoY +104.9% QoQ
-0.29% 0.53%
+2.5% YoY
0.52%
+23.2% YoY
0.66%
+5.2% YoY
39%

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 12.6%
+0.1pp YoY
-0.4pp QoQ
 -8.7pp 21.4% 22.1% 22.2% 17%
Brokered Deposits 6.3%
-0.2pp YoY
-1.1pp QoQ
 -3.2pp 9.5% 8.0% 8.5% 55%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
C&I 7.6%
-0.1pp YoY
+0.2pp QoQ
 -6.4pp 14.0% 11.0% 12.5% 31%
CRE 54.6%
-0.7pp YoY
+0.3pp QoQ
 +4.6pp 50.0% 46.2% 41.4% 64%
1-4 Family 38.7%
+0.6pp YoY
-0.4pp QoQ
 +12.3pp 26.4% 36.6% 31.3% 80%
Consumer 0.0%
0.0pp YoY
0.0pp QoQ
 -4.7pp 4.7% 5.1% 5.0% 4%

Capital

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
CET1 Ratio 13.6%
+0.4pp YoY
+0.3pp QoQ
 -2.0pp 15.6% 26.1% 19.7% 51%
Leverage Ratio 9.8%
+0.5pp YoY
+0.6pp QoQ
 -1.6pp 11.3% 13.9% 12.6% 30%
Total Capital Ratio 14.8%
+0.4pp YoY
+0.3pp QoQ
 -1.9pp 16.7% 27.2% 20.8% 53%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Full-Time Employees 192
-5 (-2.5%) YoY
+8 (+4.3%) QoQ
 -122 313 914 482 38%
Assets per Employee ($) $12.2M
+3.7% YoY
-5.6% QoQ
 +$1.7M $10.5M $14.8M $8.8M 79%
Branch Count 10
0 YoY
0 QoQ
 -10 20 27 18 29%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.1% 0.4% n/a
Nonaccrual 1.4%
+0.8pp YoY
+0.2pp QoQ
 +0.6pp 0.8% 1.3% 1.0% 84%
Allowance Coverage 0.68x
-45.8% YoY
-13.3% QoQ
 -18.03x 18.71x 1.92x 20.23x 11%
Net Charge-off Rate (YTD) 0.1%
-0.3pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 56%

Profitability

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
ROE 6.4%
+2.3pp YoY
+2.0pp QoQ
 -6.2pp 12.6% 7.9% 11.6% 13%
Cost of Funds (YTD) 2.7%
-0.5pp YoY
-0.1pp QoQ
 +0.7pp 1.9% 1.8% 1.7% 89%
Net Income ($, YTD) $7.4M
+62.3% YoY
— QoQ
 -$11.8M $19.2M $111.2M $40.4M 26%

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 (3)

Flatlined Growth

risk
#30 of 162 • Bottom 17.9% 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: 0.63%
(Tier: 1.39%, National: 1.30%)
worse than tier avg
162 of 162 Mid-Market banks match · 719 nationally
→ Stable +34 banks QoQ

Liquidity Strain

risk
#90 of 361 • Bottom 24.7% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 98.44%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Credit Risk Growth

risk
#133 of 402 • Bottom 32.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 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).
Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (7 metrics)

794
Return on Assets
profitability
Value: 0.63%
Peer Median: 1.39%
#794 of 885 Bottom 10.4% in $1B-$10B
753
Nonperforming Asset Ratio
credit_quality
Value: 1.24%
Peer Median: 0.67%
#753 of 885 Bottom 15.0% in $1B-$10B
732
Non-Interest-Bearing Deposit Share
funding
Value: 12.64%
Peer Median: 21.27%
#732 of 885 Bottom 17.4% in $1B-$10B
732
Efficiency Ratio
profitability
Value: 72.08%
Peer Median: 59.73%
#732 of 885 Bottom 17.4% in $1B-$10B
729
Net Interest Margin
profitability
Value: 3.08%
Peer Median: 3.87%
#729 of 885 Bottom 17.7% in $1B-$10B
722
Delinquency Rate
credit_quality
Value: 1.43%
Peer Median: 0.87%
#722 of 882 Bottom 18.3% in $1B-$10B
722
Loan-to-Deposit Ratio
liquidity
Value: 98.44%
Peer Median: 85.04%
#722 of 885 Bottom 18.5% in $1B-$10B
Powered by BlastPoint © 2026