Ridgewood, NY · Cert 16026
SI · FDIC · 38 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.2% share · #39 of 151 inst. · $6.0B of $2921.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.44% | 0.50% | 0.50% | 0.52% | 0.70% | +26 bps | |
| Return on Equity | 3.61% | 4.12% | 4.08% | 4.11% | 5.53% | +192 bps | |
| Net Interest Margin | 1.73% | 1.76% | 1.81% | 2.01% | 2.01% | +27 bps | |
| Efficiency Ratio | 78.74% | 77.31% | 74.54% | 65.08% | 67.30% | -1,144 bps | |
| Non-Interest Burden | 1.29% | 1.28% | 1.27% | 1.18% | 1.23% | -6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.08% | 2.94% | 4.04% | 3.32% | 3.31% | -77 bps | |
| Loan Growth (YoY) | 4.31% | 4.18% | 3.82% | 2.13% | 0.97% | -334 bps | |
| Deposit Growth (YoY) | 3.94% | 3.88% | 4.46% | 4.11% | 4.05% | +12 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.93% | 1.74% | 1.58% | 1.64% | 1.85% | -8 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.06% | 0.12% | 0.03% | 0.18% | +15 bps | |
| Allowance / Loans | 0.79% | 0.78% | 0.77% | 0.77% | 0.73% | -6 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 0.5x | 0.5x | 0.4x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.11% | 13.18% | 13.11% | 13.14% | 13.27% | +16 bps | |
| Total Risk-Based Capital | 13.11% | 13.18% | 13.11% | 13.14% | 13.27% | +16 bps | |
| Equity / Assets | 12.32% | 12.46% | 12.58% | 12.58% | 12.75% | +43 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.59% | 83.15% | 82.42% | 80.94% | 81.12% | -247 bps | |
| Liquid Assets / Assets | 10.24% | 10.09% | 10.38% | 10.45% | 9.14% | -111 bps | |
| CRE / Total Capital | n/a | 260% | 258% | 252% | n/a | n/a | |