BlastPoint's Banking Scorecard
New Horizon Bank, National Association
Powhatan, VA
2 branches across VA
New Horizon Bank, National Association has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.15% above tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.75% below tier average
- - Efficiency Ratio 42.88% above tier average
- - Delinquency Rate 0.25% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$278.6M
+30.4% YoY
+10.9% QoQ
|
-$107.4M |
$386.1M
+0.5% YoY
|
$17.9B
+25.7% YoY
|
$6.2B
+9.1% YoY
|
42% |
| Total Loans ? |
$168.4M
+74.2% YoY
+16.8% QoQ
|
-$87.3M |
$255.7M
+1.1% YoY
|
$10.6B
+27.9% YoY
|
$3.2B
+10.8% YoY
|
41% |
| Total Deposits ? |
$205.6M
+12.7% YoY
+0.1% QoQ
|
-$122.4M |
$328.0M
+0.1% YoY
|
$14.1B
+22.4% YoY
|
$4.8B
+8.2% YoY
|
36% |
| Return on Assets ? |
-0.48%
+52.7% YoY
+64.4% QoQ
|
-1.75% |
1.27%
+12.9% YoY
|
1.15%
+53.9% YoY
|
1.23%
+13.4% YoY
|
Bottom 1.7% in tier |
| Net Interest Margin ? |
4.08%
+20.1% YoY
+9.1% QoQ
|
+0.15% |
3.93%
+6.0% YoY
|
3.81%
+7.1% YoY
|
3.89%
+5.7% YoY
|
62% |
| Efficiency Ratio ? |
108.17%
-19.3% YoY
-9.7% QoQ
|
+42.88% |
65.29%
-4.5% YoY
|
65.58%
-7.6% YoY
|
66.95%
-4.1% YoY
|
Bottom 1.5% in tier |
| Delinquency Rate ? |
1.14%
+175.7% YoY
+491.0% QoQ
|
+0.25% |
0.89%
+18.8% YoY
|
0.77%
+12.4% YoY
|
0.95%
+18.8% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
81.93%
+54.6% YoY
+16.7% QoQ
|
+5.29% |
76.64%
+0.8% YoY
|
79.34%
+0.5% YoY
|
76.70%
+0.9% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
34.21%
+1.7% YoY
-21.1% QoQ
|
+12.19% |
22.02%
-1.0% YoY
|
25.27%
-0.4% YoY
|
22.01%
-1.2% YoY
|
Top 10.9% in tier |
| Nonperforming Asset Ratio ? |
0.69%
+268.5% YoY
+522.1% QoQ
|
+0.05% |
0.64%
+19.7% YoY
|
0.55%
+12.2% YoY
|
0.67%
+19.3% YoY
|
30% |
| Tier 1 Capital Ratio ? |
12.64%
-12.7% YoY
-10.9% QoQ
|
-3.19% |
15.83%
+1.5% YoY
|
16.28%
+2.7% YoY
|
17.06%
+0.8% YoY
|
43% |
| Non-Interest Income / Assets ? |
0.05%
+17.6% YoY
-87.9% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.18%
+27.1% YoY
|
0.32%
+4.1% YoY
|
20% |
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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.