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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.14% | -0.16% | -0.17% | -0.13% | -0.12% | +2 bps | |
| Return on Equity | -1.09% | -1.18% | -1.29% | -1.04% | -0.95% | +14 bps | |
| Net Interest Margin | 4.19% | 4.22% | 4.20% | 4.24% | 4.19% | 0 bps | |
| Efficiency Ratio | 103.25% | 103.44% | 103.89% | 103.53% | 102.67% | -59 bps | |
| Non-Interest Burden | 4.33% | 4.37% | 4.37% | 4.39% | 4.31% | -2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.15% | 8.74% | 4.49% | 1.81% | -0.42% | -857 bps | |
| Loan Growth (YoY) | 0.63% | 5.53% | 7.68% | 5.59% | 9.34% | +871 bps | |
| Deposit Growth (YoY) | 20.18% | 15.11% | 8.53% | 4.21% | 1.04% | -1,915 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 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 bps | |
| Allowance / Loans | 1.39% | 1.36% | 1.31% | 1.30% | 1.27% | -12 bps | |
| Allowance Coverage of NPLs | 1.7x | 1.7x | 1.5x | 1.6x | 1.6x | -0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.95% | 13.08% | 12.97% | 12.81% | 12.53% | -41 bps | |
| Total Risk-Based Capital | 12.95% | 13.08% | 12.97% | 12.81% | 12.53% | -41 bps | |
| Equity / Assets | 12.95% | 13.17% | 13.03% | 12.60% | 12.88% | -7 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 113.70% | 118.93% | 121.24% | 116.44% | 123.04% | +934 bps | |
| Liquid Assets / Assets | 13.56% | 10.62% | 8.27% | 10.84% | 6.10% | -746 bps | |
| CRE / Total Capital | n/a | 439% | 445% | 451% | n/a | n/a | |