BlastPoint's Banking Scorecard
Amalgamated Bank
New York, NY
6 branches across NY · CA · DC
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 +9.3% year over year ($8.5B on the books).
- Delinquency rate 2.02%.
- Return on assets 1.34%.
- Efficiency ratio 47.54% vs a 59.73% peer average.
- Loan-to-deposit ratio 59.88% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Amalgamated Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 17.77% above tier average
- + Efficiency Ratio 12.18% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.15% above tier average
- - Net Interest Margin 0.10% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$9.4B
+9.1% YoY
+2.6% QoQ
|
+$6.6B |
$2.8B
-0.6% YoY
|
$19.3B
+10.2% YoY
|
$6.3B
+7.7% YoY
|
Top 1.0% in tier |
| Total Loans ? |
$5.1B
+9.1% YoY
+2.3% QoQ
|
+$3.1B |
$2.0B
-0.3% YoY
|
$8.2B
+12.4% YoY
|
$3.2B
+9.4% YoY
|
Top 6.2% in tier |
| Total Deposits ? |
$8.5B
+9.3% YoY
+3.3% QoQ
|
+$6.2B |
$2.3B
-0.5% YoY
|
$14.8B
+8.7% YoY
|
$4.9B
+7.3% YoY
|
Top 0.3% in tier |
| Return on Assets ? |
1.34%
+7.2% YoY
+16.7% QoQ
|
-0.05% |
1.39%
+17.0% YoY
|
0.94%
+14.0% YoY
|
1.30%
+12.1% YoY
|
58% |
| Net Interest Margin ? |
3.78%
+5.7% YoY
+2.2% QoQ
|
-0.10% |
3.87%
+6.2% YoY
|
3.52%
+6.2% YoY
|
3.95%
+4.9% YoY
|
54% |
| Efficiency Ratio ? |
47.54%
-5.6% YoY
-0.6% QoQ
|
-12.18% |
59.73%
-12.6% YoY
|
67.96%
-1.8% YoY
|
70.05%
+2.5% YoY
|
83% |
| Delinquency Rate ? |
2.02%
+167.8% YoY
+1.5% QoQ
|
+1.15% |
0.87%
+11.7% YoY
|
1.19%
+15.7% YoY
|
0.98%
+16.3% YoY
|
Bottom 8.7% in tier |
| Loan-to-Deposit Ratio ? |
59.88%
-0.2% YoY
-1.0% QoQ
|
-25.16% |
85.04%
-0.1% YoY
|
79.34%
+1.1% YoY
|
79.03%
+2.3% YoY
|
Top 7.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
39.05%
+6.8% YoY
-4.3% QoQ
|
+17.77% |
21.27%
-1.5% YoY
|
22.09%
+0.6% YoY
|
21.98%
-0.6% YoY
|
Top 5.0% in tier |
| Nonperforming Asset Ratio ? |
1.09%
+167.6% YoY
+1.2% QoQ
|
+0.42% |
0.67%
+11.7% YoY
|
0.79%
+14.5% YoY
|
0.69%
+15.8% YoY
|
19% |
| Tier 1 Capital Ratio ? |
14.78%
-0.4% YoY
+0.5% QoQ
|
-0.06% |
14.84%
-0.4% YoY
|
23.90%
+5.3% YoY
|
17.09%
+0.8% YoY
|
72% |
| Non-Interest Income / Assets ? |
0.28%
+50.1% YoY
+82.7% QoQ
|
-0.25% |
0.53%
+2.5% YoY
|
0.52%
+23.2% YoY
|
0.66%
+5.2% YoY
|
48% |
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 (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
39.0%
+2.5pp YoY -1.7pp QoQ |
+17.7pp | 21.4% | 22.1% | 22.2% | 95% |
| Brokered Deposits |
3.7%
-6.4pp YoY +1.8pp QoQ |
-5.7pp | 9.5% | 8.0% | 8.5% | 39% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
25.1%
0.0pp YoY -0.3pp QoQ |
+11.1pp | 14.0% | 11.0% | 12.5% | 88% |
| CRE |
45.6%
+5.9pp YoY +1.8pp QoQ |
-4.5pp | 50.0% | 46.2% | 41.4% | 38% |
| 1-4 Family |
23.6%
-4.2pp YoY -1.1pp QoQ |
-2.8pp | 26.4% | 36.6% | 31.3% | 51% |
| Consumer |
6.5%
-1.6pp YoY -0.4pp QoQ |
+1.7pp | 4.7% | 5.1% | 5.0% | 85% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.8%
-0.1pp YoY +0.1pp QoQ |
-0.8pp | 15.6% | 26.1% | 19.7% | 68% |
| Leverage Ratio |
9.6%
-0.1pp YoY -0.1pp QoQ |
-1.7pp | 11.3% | 13.9% | 12.6% | 25% |
| Total Capital Ratio |
16.0%
0.0pp YoY +0.1pp QoQ |
-0.7pp | 16.7% | 27.2% | 20.8% | 68% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
463
+28 (+6.4%) YoY +36 (+8.4%) QoQ |
+149 | 313 | 914 | 482 | 82% |
| Assets per Employee ($) |
$20.3M
+2.5% YoY -5.4% QoQ |
+$9.8M | $10.5M | $14.8M | $8.8M | 95% |
| Branch Count |
6
0 YoY 0 QoQ |
-14 | 20 | 27 | 18 | 14% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.0% | -0.2pp | 0.2% | 0.1% | 0.4% | 15% |
| Nonaccrual |
2.0%
+1.3pp YoY 0.0pp QoQ |
+1.2pp | 0.8% | 1.3% | 1.0% | 93% |
| Allowance Coverage |
0.67x
-60.0% YoY -2.6% QoQ |
-18.04x | 18.71x | 1.92x | 20.23x | 11% |
| Net Charge-off Rate (YTD) |
0.3%
0.0pp YoY 0.0pp QoQ |
0.0pp | 0.3% | 0.1% | 0.2% | 83% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.6%
+0.8pp YoY +2.1pp QoQ |
+2.0pp | 12.6% | 7.9% | 11.6% | 70% |
| Cost of Funds (YTD) |
1.3%
-0.2pp YoY 0.0pp QoQ |
-0.6pp | 1.9% | 1.8% | 1.7% | 15% |
| Net Income ($, YTD) |
$61.4M
+16.9% YoY — QoQ |
+$42.1M | $19.2M | $111.2M | $40.4M | 96% |
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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.