BlastPoint's Banking Scorecard
Liberty Bank of New Jersey
$100M-$1B
Specialty: Other
NJ
FDIC cert 59369
Verona, NJ
2 branches across NJ
2643
banks in the $100M-$1B peer group nationally
25 in NJ
View $100M-$1B leaderboard (NJ) →
Liberty Bank of New Jersey has 2 strengths but faces 5 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
- + Credit Quality Leader: Top 0.1% in tier
- + Nonperforming Asset Ratio 0.67% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 3.79% below tier average
- - Net Interest Margin 1.77% below tier average
- - Efficiency Ratio 147.13% above tier average
- - Non-Interest-Bearing Deposit Share 17.64% below tier average
- - Non-Interest Income / Assets 0.57% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$107.4M
+52.1% QoQ
|
-$279.2M |
$386.6M
+1.2% YoY
|
$4.4B
+7.9% YoY
|
$6.3B
+7.7% YoY
|
Bottom 1.9% in tier |
| Total Loans ? | $3.0M | -$255.4M |
$258.3M
+1.7% YoY
|
$3.3B
+6.8% YoY
|
$3.2B
+9.4% YoY
|
Bottom 0.4% in tier |
| Total Deposits ? |
$58.7M
+172.7% QoQ
|
-$268.0M |
$326.7M
+0.7% YoY
|
$3.6B
+8.2% YoY
|
$4.9B
+7.3% YoY
|
Bottom 0.4% in tier |
| Return on Assets ? |
-2.47%
+30.9% QoQ
|
-3.79% |
1.32%
+10.8% YoY
|
0.53%
-11.1% YoY
|
1.30%
+12.1% YoY
|
Bottom 0.5% in tier |
| Net Interest Margin ? |
2.22%
+0.9% QoQ
|
-1.77% |
3.99%
+5.0% YoY
|
3.11%
+4.3% YoY
|
3.95%
+4.9% YoY
|
Bottom 1.4% in tier |
| Efficiency Ratio ? |
211.61%
-20.9% QoQ
|
+147.13% |
64.48%
-3.2% YoY
|
78.52%
+3.6% YoY
|
70.05%
+2.5% YoY
|
Bottom 0.2% in tier |
| Delinquency Rate ? | 0.00% | -0.92% |
0.92%
+15.7% YoY
|
0.69%
-16.2% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? | 5.06% | -72.89% |
77.95%
+1.0% YoY
|
81.90%
-3.2% YoY
|
79.03%
+2.3% YoY
|
Top 0.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
4.39%
-91.1% QoQ
|
-17.64% |
22.03%
-0.6% YoY
|
16.56%
-0.1% YoY
|
21.98%
-0.6% YoY
|
Bottom 3.2% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+16.4% YoY
|
0.61%
-0.3% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
50.46%
-45.8% QoQ
|
+34.56% |
15.91%
+1.4% YoY
|
19.31%
+2.7% YoY
|
17.09%
+0.8% YoY
|
Top 0.9% in tier |
| Non-Interest Income / Assets ? | -0.00% | -0.57% |
0.57%
+7.6% YoY
|
0.77%
-2.9% YoY
|
0.66%
+5.2% YoY
|
Bottom 0.3% in tier |
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 (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
4.4%
-44.9pp QoQ |
-17.8pp | 22.1% | 16.6% | 22.2% | 3% |
| Brokered Deposits | n/a | n/a | 7.9% | 10.1% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I | n/a | n/a | 11.6% | 6.5% | 12.5% | n/a |
| CRE | n/a | n/a | 39.5% | 56.3% | 41.4% | n/a |
| 1-4 Family | n/a | n/a | 32.6% | 39.4% | 31.3% | n/a |
| Consumer | n/a | n/a | 4.1% | 4.3% | 5.0% | n/a |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 18.8% | 19.7% | n/a |
| Leverage Ratio |
50.5%
-42.7pp QoQ |
+38.3pp | 12.2% | 13.4% | 12.6% | 100% |
| Total Capital Ratio | n/a | n/a | 19.9% | 19.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
16
+2 (+14.3%) QoQ |
-43 | 58 | 336 | 482 | 5% |
| Assets per Employee ($) |
$6.7M
+33.1% QoQ |
-$808K | $7.5M | $11.2M | $8.8M | 47% |
| Branch Count |
2
0 QoQ |
-3 | 4 | 20 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 6.57x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-4.6%
+0.7pp QoQ |
-16.8pp | 12.2% | 6.4% | 11.6% | 2% |
| Cost of Funds (YTD) |
0.4%
+0.3pp QoQ |
-1.3pp | 1.7% | 1.9% | 1.7% | 1% |
| Net Income ($, YTD) |
$-1097000.0
— QoQ |
-$3.7M | $2.6M | $19.8M | $40.4M | 2% |
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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 (1)
Credit Quality Leader
growth
#1 of 659 • Top 0.1% in tier
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.00%
(Tier: 0.92%, National: 0.98%)
659 of 659 Community banks match
·
920 nationally
→ Stable
+1 banks QoQ
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).
Top Strengths (4 metrics)
1
Delinquency Rate
credit_quality
Value:
0.00%
Peer Median: 0.92%
#1 of 2633
Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value:
0.00%
Peer Median: 0.67%
#1 of 2643
Top 0.1% in $100M-$1B
12
Loan-to-Deposit Ratio
liquidity
Value:
5.06%
Peer Median: 77.95%
#12 of 2643
Top 0.4% in $100M-$1B
24
Tier 1 Capital Ratio
capital
Value:
50.46%
Peer Median: 15.91%
#24 of 2643
Top 0.9% in $100M-$1B
Top Weaknesses (8 metrics)
2639
Efficiency Ratio
profitability
Value:
211.61%
Peer Median: 64.48%
#2639 of 2643
Bottom 0.2% in $100M-$1B
2635
Non-Interest Income / Assets
revenue_mix
Value:
-0.00%
Peer Median: 0.57%
#2635 of 2643
Bottom 0.3% in $100M-$1B
2633
Total Deposits
size
Value:
$58.73M
Peer Median: $326.73M
#2633 of 2643
Bottom 0.4% in $100M-$1B
2633
Total Loans
size
Value:
$2.97M
Peer Median: $258.35M
#2633 of 2643
Bottom 0.4% in $100M-$1B
2630
Return on Assets
profitability
Value:
-2.47%
Peer Median: 1.32%
#2630 of 2643
Bottom 0.5% in $100M-$1B
2608
Net Interest Margin
profitability
Value:
2.22%
Peer Median: 3.99%
#2608 of 2643
Bottom 1.4% in $100M-$1B
2593
Total Assets
size
Value:
$107.36M
Peer Median: $386.57M
#2593 of 2643
Bottom 1.9% in $100M-$1B
2560
Non-Interest-Bearing Deposit Share
funding
Value:
4.39%
Peer Median: 22.03%
#2560 of 2643
Bottom 3.2% in $100M-$1B