BlastPoint's Banking Scorecard

Piermont Bank

$100M-$1B Specialty: Commercial NY FDIC cert 59154

Designations: ✓ Minority Depository Institution

New York, NY

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

Piermont Bank has 1 strength but faces 6 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

+ Delinquency Rate 0.36% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 8.7% in tier
- Efficiency Drag: Bottom 14.7% in tier
- NIB Deposit Bleed: Bottom 22.7% in tier
- Liquidity Overhang: Bottom 39.2% in tier
- Return on Assets 3.22% below tier average
- Net Interest Margin 1.78% below tier average

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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 ?	$474.4M -2.9% YoY -8.7% QoQ	+$88.3M	$386.1M +0.5% YoY	$19.3B +17.3% YoY	$6.2B +9.1% YoY	70%
Total Loans ?	$301.8M +0.6% YoY +4.0% QoQ	+$46.1M	$255.7M +1.1% YoY	$8.1B +14.6% YoY	$3.2B +10.8% YoY	68%
Total Deposits ?	$365.1M -0.9% YoY -8.1% QoQ	+$37.2M	$328.0M +0.1% YoY	$15.1B +16.0% YoY	$4.8B +8.2% YoY	65%
Return on Assets ?	-1.95% -118.8% YoY -115.8% QoQ	-3.22%	1.27% +12.9% YoY	0.86% +14.3% YoY	1.23% +13.4% YoY	Bottom 0.7% in tier
Net Interest Margin ?	2.16% +10.3% YoY +2.8% QoQ	-1.78%	3.93% +6.0% YoY	3.45% +7.0% YoY	3.89% +5.7% YoY	Bottom 1.2% in tier
Efficiency Ratio ?	166.88% +43.0% YoY +38.6% QoQ	+101.60%	65.29% -4.5% YoY	69.17% -3.6% YoY	66.95% -4.1% YoY	Bottom 0.4% in tier
Delinquency Rate ?	0.53% -85.0% YoY -3.8% QoQ	-0.36%	0.89% +18.8% YoY	1.13% +6.9% YoY	0.95% +18.8% YoY	44%
Loan-to-Deposit Ratio ?	82.67% +1.4% YoY +13.2% QoQ	+6.03%	76.64% +0.8% YoY	77.98% +0.4% YoY	76.70% +0.9% YoY	40%
Non-Interest-Bearing Deposit Share ?	16.51% -35.6% YoY -5.8% QoQ	-5.51%	22.02% -1.0% YoY	21.94% +1.2% YoY	22.01% -1.2% YoY	29%
Nonperforming Asset Ratio ?	0.34% -84.5% YoY +9.5% QoQ	-0.30%	0.64% +19.7% YoY	0.73% +4.5% YoY	0.67% +19.3% YoY	47%
Tier 1 Capital Ratio ?	18.57% -8.1% YoY -5.6% QoQ	+2.74%	15.83% +1.5% YoY	24.83% +10.8% YoY	17.06% +0.8% YoY	83%
Non-Interest Income / Assets ?	0.10% -61.6% YoY -87.3% QoQ	-0.18%	0.28% +9.3% YoY	0.21% +9.1% YoY	0.32% +4.1% YoY	52%

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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 (4)

Deposit Outflow

decline

#45 of 506 • Bottom 8.7% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank declining

Efficiency Drag

risk

#62 of 414 • Bottom 14.7% in tier

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

Why this signature

Efficiency Ratio: 166.88%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | QoQ rank improving

NIB Deposit Bleed

decline

#46 of 198 • Bottom 22.7% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 16.51%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ | QoQ rank improving

Liquidity Overhang

risk

#291 of 739 • Bottom 39.2% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 18.57%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 82.67%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

455

Tier 1 Capital Ratio

capital

Value: 18.57%

Peer Median: 15.83%

#455 of 2664 Top 17.0% in $100M-$1B

Top Weaknesses (3 metrics)

2655

Efficiency Ratio

profitability

Value: 166.88%

Peer Median: 65.29%

#2655 of 2664 Bottom 0.4% in $100M-$1B

2646

Return on Assets

profitability

Value: -1.95%

Peer Median: 1.27%

#2646 of 2664 Bottom 0.7% in $100M-$1B

2634

Net Interest Margin

profitability

Value: 2.16%

Peer Median: 3.93%

#2634 of 2664 Bottom 1.2% in $100M-$1B