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Blue Foundry Bank

Rutherford, NJ · Cert 30052 · Peer group: banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35-36) · Blue Foundry Bcorp

SI · FDIC · 21 branches

Q2 2026

$1.9BAssets
$1.7BLoans
$1.2BDeposits
$280.2MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 81% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 7 of 36).
  • Widest gap: return on equity trails 100% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 35 of 35).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

-1.43%

Rank 35 of 36

Net Interest Margin

2.42%

Rank 28 of 36

Efficiency Ratio

111.83%

Rank 35 of 35

Equity / Assets

14.83%

Rank 8 of 36

Non-interest income vs. expense

$1.4M$54.5MINCOMEEXPENSE
Unfavorable gap of $53.1M · efficiency ratio beats 3% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 111.83%Peer median 63.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-1.43%0.65%1.00%1.72%Beats 3%35 / 36
Return on Equity-9.65%5.35%9.30%13.56%Beats 0%35 / 35
Net Interest Margin2.42%2.66%3.13%3.63%Beats 22%28 / 36
Efficiency Ratio111.83%52.19%63.09%75.14%Beats 3%35 / 35
Asset Quality
Nonperforming Loans / Loans0.82%0.46%0.84%1.59%Beats 53%18 / 36
Net Charge-Offs / Loans0.07%n/a0.03%0.14%Beats 36%24 / 36
Capital
Tier 1 Capital Ratio18.94%13.13%14.78%18.34%Beats 81%7 / 36
Total Risk-Based Capital Ratio19.93%13.73%15.96%19.27%Beats 81%7 / 36
Equity / Assets14.83%9.80%11.58%14.82%Beats 78%8 / 36
Liquidity & Funding
Loans / Deposits135.72%81.12%95.13%103.24%94th pctl2 / 36
Loans / Assets88.23%67.44%76.31%84.79%89th pctl4 / 36
Brokered Deposits / Depositsn/aNot reported for this institution