Bank Safety Analysis
Blue Foundry Bank: final safety record
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Return on assets dropped 0.76 percentage points in Q2 2026, from -0.95% to -1.71%. It was the largest change from Q1 2026 among the key lines here. The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Blue Foundry Bank sits 5.44 points higher, at 18.94% (Q2 2026). From Q3 2023 to Q2 2026, Blue Foundry Bank's CET1 ratio ranged between 17.63% (Q3 2025) and 20.26% (Q3 2023) and its Texas ratio ranged between 1.80% (Q3 2024) and 6.11% (Q2 2026). Between Q2 2025 and Q2 2026, Blue Foundry Bank's CET1 ratio rose from 18.11% to 18.94%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.38% to 0.82%, Texas ratio rose from 2.23% to 6.11% and return on assets fell from -0.24% to -1.71%.
Data as of · sourced from FFIEC call reports. How we update
Scorecard by dimension
Peer cohort: $1B to $10B (941 banks) · Industry averages as of Q2 2026.
CET1 of 18.94% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 14.64% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.82% are within industry-normal range.
Texas Ratio of 6.1% is well below the 100% historical failure threshold.
Efficiency ratio of 90.9% suggests significant cost-to-revenue challenges.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 18.94% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 6.11% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.82% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | 31.12% | Watch at 50%, concern at 70% | Within range |
| Loan-to-deposit ratio BankRegReports band | 135.72% | Flags at 100% or above | Flagged |
| Commercial real estate to capital supervisory threshold | 298.60% | Watch at 200%, concern at 300% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.06% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 18.94% |
| Q1 2026 | 18.46% |
| Q4 2025 | 17.93% |
| Q3 2025 | 17.63% |
| Q2 2025 | 18.11% |
| Q1 2025 | 18.58% |
| Q4 2024 | 19.26% |
| Q3 2024 | 19.84% |
| Q2 2024 | 20.24% |
| Q1 2024 | 20.12% |
| Q4 2023 | 20.13% |
| Q3 2023 | 20.26% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 6.11% |
| Q1 2026 | 4.01% |
| Q4 2025 | 4.00% |
| Q3 2025 | 4.02% |
| Q2 2025 | 2.23% |
| Q1 2025 | 2.03% |
| Q4 2024 | 1.80% |
| Q3 2024 | 1.80% |
| Q2 2024 | 2.17% |
| Q1 2024 | 2.54% |
| Q4 2023 | 2.33% |
| Q3 2023 | 2.44% |
Blue Foundry Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 18.94% | 0.82% | 6.11% | -1.71% |
| Mar 31, 2026 | 18.46% | 0.44% | 4.01% | -0.95% |
| Dec 31, 2025 | 17.93% | 0.67% | 4.00% | -0.29% |
| Sep 30, 2025 | 17.63% | 0.66% | 4.02% | -0.20% |
| Jun 30, 2025 | 18.11% | 0.38% | 2.23% | -0.24% |
| Mar 31, 2025 | 18.58% | 0.35% | 2.03% | -0.42% |
| Dec 31, 2024 | 19.26% | 0.32% | 1.80% | -0.38% |
| Sep 30, 2024 | 19.84% | 0.33% | 1.80% | -0.65% |
| Jun 30, 2024 | 20.24% | 0.40% | 2.17% | -0.34% |
| Mar 31, 2024 | 20.12% | 0.43% | 2.54% | -0.42% |
| Dec 31, 2023 | 20.13% | 0.39% | 2.33% | -0.50% |
| Sep 30, 2023 | 20.26% | 0.40% | 2.44% | -0.13% |
Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 30052) · FFIEC NIC profile (RSSD 797775)
Explore: Full Blue Foundry Bank profile · Other banks in NJ · Metric glossary · How the call report works