New York, NY · Cert 23373
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30 to 31). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
23
Asset Quality
69
Profitability
38
Liquidity
0
Efficiency
19
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
New York, NY · Cert 23373
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #133 of 151 inst. · $0.1B 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.22% | -0.22% | -0.27% | -0.14% | -0.16% | -0.17% | -0.13% | -0.12% | +2 bps | |
| Return on Equity | -1.56% | -1.58% | -2.03% | -1.09% | -1.18% | -1.29% | -1.04% | -0.95% | +14 bps | |
| Net Interest Margin | 4.50% | 4.42% | 4.18% | 4.19% | 4.22% | 4.20% | 4.24% | 4.19% | 0 bps | |
| Efficiency Ratio | 104.67% | 105.25% | 107.46% | 103.25% | 103.44% | 103.89% | 103.53% | 102.67% | -59 bps | |
| Non-Interest Burden | 4.72% | 4.67% | 4.51% | 4.33% | 4.37% | 4.37% | 4.39% | 4.31% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.26% | -1.96% | 5.46% | 8.15% | 8.74% | 4.49% | 1.81% | -0.42% | -857 bps | |
| Loan Growth (YoY) | -9.34% | -5.67% | -0.23% | 0.63% | 5.53% | 7.68% | 5.59% | 9.34% | +871 bps | |
| Deposit Growth (YoY) | -7.63% | 3.00% | 15.42% | 20.18% | 15.11% | 8.53% | 4.21% | 1.04% | -1,915 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.96% | 0.93% | 0.89% | 0.81% | 0.79% | 0.85% | 0.83% | 0.80% | -1 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 | 1.44% | 1.41% | 1.37% | 1.39% | 1.36% | 1.31% | 1.30% | 1.27% | -12 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.5x | 1.5x | 1.7x | 1.7x | 1.5x | 1.6x | 1.6x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.15% | 13.90% | 13.34% | 12.95% | 13.08% | 12.97% | 12.81% | 12.53% | -41 bps | |
| Total Risk-Based Capital | 14.15% | 13.90% | 13.34% | 12.95% | 13.08% | 12.97% | 12.81% | 12.53% | -41 bps | |
| Equity / Assets | 14.46% | 13.74% | 12.92% | 12.95% | 13.17% | 13.03% | 12.60% | 12.88% | -7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 129.72% | 122.19% | 114.92% | 113.70% | 118.93% | 121.24% | 116.44% | 123.04% | +934 bps | |
| Liquid Assets / Assets | 6.40% | 8.91% | 12.88% | 13.56% | 10.62% | 8.27% | 10.84% | 6.10% | -746 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 439% | 445% | 451% | n/a | n/a | |
New York, NY · Cert 23373 · Peer group: banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30-31)
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
-0.12%
Rank 26 of 31
Net Interest Margin
4.19%
Rank 6 of 31
Efficiency Ratio
102.67%
Rank 26 of 31
Equity / Assets
12.88%
Rank 18 of 31
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.12% | -0.02% | 0.39% | 0.84% | Beats 16% | 26 / 31 | ||
| Return on Equity | -0.95% | -0.19% | 2.57% | 5.72% | Beats 16% | 26 / 31 | ||
| Net Interest Margin | 4.19% | 2.51% | 3.30% | 3.85% | Beats 81% | 6 / 31 | ||
| Efficiency Ratio | 102.67% | 68.41% | 83.66% | 91.76% | Beats 19% | 26 / 31 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.80% | 0.18% | 0.47% | 2.65% | Beats 37% | 20 / 30 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | n/a | 0.02% | Beats 100% | 17 / 30 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.53% | 13.24% | 15.54% | 26.77% | Beats 16% | 26 / 31 | ||
| Total Risk-Based Capital Ratio | 12.53% | 14.07% | 16.32% | 26.77% | Beats 10% | 28 / 31 | ||
| Equity / Assets | 12.88% | 10.38% | 13.26% | 17.83% | Beats 42% | 18 / 31 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 123.04% | 84.03% | 94.98% | 103.65% | 97th pctl | 1 / 31 | ||
| Loans / Assets | 84.06% | 61.61% | 75.31% | 83.78% | 81st pctl | 6 / 31 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||