Elizabeth, NJ · Cert 12013
SI · FDIC · 4 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #68 of 151 inst. · $1.3B of $2921.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.98% | -1.65% | -1.60% | -1.44% | -1.36% | -1.34% | -1.37% | -1.53% | -9 bps | |
| Return on Equity | 124.90% | 96.04% | 61.99% | 80.05% | 118.36% | 246% | 170.04% | 111.88% | +3,182 bps | |
| Net Interest Margin | -0.76% | -0.68% | -0.46% | -0.37% | -0.36% | -0.35% | -0.36% | -0.28% | +9 bps | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Non-Interest Burden | 0.87% | 0.76% | 0.93% | 0.88% | 0.82% | 0.84% | 0.84% | 0.88% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.37% | 13.45% | 9.04% | 3.92% | -10.00% | -7.09% | -5.51% | -2.40% | -632 bps | |
| Loan Growth (YoY) | 32.35% | 24.26% | 15.61% | 12.09% | 13.02% | 2.54% | 5.46% | 8.13% | -396 bps | |
| Deposit Growth (YoY) | 3.76% | 4.54% | -1.63% | -7.59% | -10.56% | -10.52% | -7.18% | -2.60% | +499 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.41% | 0.36% | 0.50% | 0.54% | 0.66% | 0.55% | 0.82% | 0.91% | +36 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.66% | 0.64% | 0.65% | 0.65% | 0.65% | 0.66% | 0.65% | 0.65% | 0 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.8x | 1.3x | 1.2x | 1.0x | 1.2x | 0.8x | 0.7x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.44% | 8.70% | 8.52% | 8.63% | 8.54% | 8.32% | 8.10% | 7.77% | -85 bps | |
| Total Risk-Based Capital | 27.26% | 24.48% | 24.36% | 24.53% | 23.84% | 23.69% | 22.08% | 21.13% | -341 bps | |
| Equity / Assets | -0.24% | -3.24% | -1.91% | -1.68% | -0.62% | -0.47% | -1.15% | -1.59% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 16.95% | 18.07% | 19.71% | 20.60% | 21.41% | 20.70% | 22.39% | 22.86% | +227 bps | |
| Liquid Assets / Assets | 17.09% | 13.26% | 13.19% | 10.20% | 9.28% | 9.97% | 8.15% | 7.94% | -225 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 69.04% | 67.79% | 83.83% | n/a | n/a | |