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 (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 | 0.46%1 | 0.13% | 0.29% | 0.58%1 | 0.63% | 0.50% | 0.52% | 0.88% | +30 bps | |
| Return on Equity | 3.87% | 1.08% | 2.44% | 4.76% | 5.10% | 3.96% | 4.11% | 6.95% | +219 bps | |
| Net Interest Margin | 1.60% | 1.64% | 1.70% | 1.78% | 1.82% | 2.05% | 2.01% | 2.02% | +24 bps | |
| Efficiency Ratio | 84.56% | 84.60% | 78.21% | 79.26% | 74.61% | 67.43% | 65.08% | 69.52% | -974 bps | |
| Non-Interest Burden | 1.29% | 1.31% | 1.25% | 1.33% | 1.27% | 1.28% | 1.18% | 1.29% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.29% | 3.13% | 4.31% | 4.08% | 2.94% | 4.04% | 3.32% | 3.31% | -77 bps | |
| Loan Growth (YoY) | 4.41% | 4.69% | 3.96% | 4.31% | 4.18% | 3.82% | 2.13% | 0.97% | -334 bps | |
| Deposit Growth (YoY) | 2.50% | 3.17% | 3.88% | 3.94% | 3.88% | 4.46% | 4.11% | 4.05% | +12 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.65% | 1.70% | 1.74% | 1.93% | 1.74% | 1.58% | 1.64% | 1.85% | -8 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.04% | 0.02% | 0.13% | 0.29% | 0.03% | 0.34% | +32 bps | |
| Allowance / Loans | 0.72% | 0.75% | 0.75% | 0.79% | 0.78% | 0.77% | 0.77% | 0.73% | -6 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 0.4x | 0.4x | 0.4x | 0.5x | 0.5x | 0.4x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.20% | 13.08% | 13.02% | 13.11% | 13.18% | 13.11% | 13.14% | 13.27% | +16 bps | |
| Total Risk-Based Capital | 13.20% | 13.08% | 13.02% | 13.11% | 13.18% | 13.11% | 13.14% | 13.27% | +16 bps | |
| Equity / Assets | 12.06% | 11.97% | 12.09% | 12.32% | 12.46% | 12.58% | 12.58% | 12.75% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.91% | 82.93% | 82.51% | 83.59% | 83.15% | 82.42% | 80.94% | 81.12% | -247 bps | |
| Liquid Assets / Assets | 10.43% | 10.35% | 10.74% | 10.24% | 10.09% | 10.38% | 10.45% | 9.14% | -111 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 260% | 258% | 252% | n/a | n/a | |