Blue Foundry Bank (FDIC #30052): Bank Stress & Real-Estate Credit Exposure
Blue Foundry Bank (FDIC Cert #30052): bank stress 72/100, elevated, STABLE over 7 days; parent BLUE FOUNDRY BCORP.
Blue Foundry Bank (#30052) lends in 7 counties across 1 state; Blue Foundry Bank (#30052) reaches 265 ZIP codes: New Jersey 7 counties, 265 ZIPs.
Blue Foundry Bank (#30052) largest markets: Bergen County, NJ (726 branches, 66 ZIPs) (#30052), Morris County, NJ (232 branches, 58 ZIPs) (#30052), Middlesex County, NJ (44 branches, 44 ZIPs) (#30052), Passaic County, NJ (33 branches, 33 ZIPs) (#30052), Essex County, NJ (31 branches, 31 ZIPs) (#30052), Union County, NJ (27 branches, 27 ZIPs) (#30052).
Blue Foundry Bank (#30052) reports $1.89 billion in total assets; Blue Foundry Bank (#30052) equity $280.2 million (14.8% of Blue Foundry Bank (#30052) assets); Blue Foundry Bank (#30052) domestic deposits $1.23 billion; Blue Foundry Bank (#30052) net income minus $13.5 million; Blue Foundry Bank (#30052) return on assets -1.31%; Blue Foundry Bank (#30052) return on equity -9.78%; Blue Foundry Bank (#30052) net interest income $23.7 million; Blue Foundry Bank (#30052) call report June 30, 2026.
Blue Foundry Bank (#30052) noncurrent real-estate loans 0.15% of its book; Blue Foundry Bank (#30052) multifamily 0.36%; Blue Foundry Bank (#30052) net charge-offs on real estate 0.86%; Blue Foundry Bank (#30052) multifamily charge-offs 0.21%; Blue Foundry Bank (#30052) residential charge-offs 2.02%.
Blue Foundry Bank (#30052) net interest margin 2.43% against an eight-quarter Blue Foundry Bank (#30052) average of 2.21% (Blue Foundry Bank (#30052) compression -0.21 points); Blue Foundry Bank (#30052) real-estate loans 14.8% of equity; Blue Foundry Bank (#30052) non-residential real estate 202.3% of equity; Blue Foundry Bank (#30052) rate-exposure score 40/100, Blue Foundry Bank (#30052) fixed-rate trap 40/100; Blue Foundry Bank (#30052) risk type credit driven; Blue Foundry Bank (#30052) rate regime rates elevated, Blue Foundry Bank (#30052) snapshot October 19, 2026.
Blue Foundry Bank (#30052) stress score moved from 77.5 on June 22, 2026 to 72.3 on October 19, 2026; Blue Foundry Bank (#30052) ranged 72.3 to 77.5 over 116 snapshots.
Blue Foundry Bank (#30052) alerts: 7 counties; top Blue Foundry Bank (#30052) alert scores: Union County, NJ 46 (moderate); Clifton County, NJ 26 (low); Dunellen County, NJ 26 (low); Glen Ridge County, NJ 26 (low); Jersey City County, NJ 26 (low).