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 (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 | -0.31% | -0.23% | -0.27% | -0.02% | -0.18% | -0.21% | -0.13% | -0.11% | -9 bps | |
| Return on Equity | -2.17% | -1.63% | -2.03% | -0.15% | -1.37% | -1.61% | -1.04% | -0.86% | -70 bps | |
| Net Interest Margin | 4.36% | 4.39% | 4.18% | 4.32% | 4.17% | 4.21% | 4.24% | 4.23% | -9 bps | |
| Efficiency Ratio | 107.04% | 107.03% | 107.46% | 99.31% | 103.83% | 105.22% | 103.53% | 101.82% | +251 bps | |
| Non-Interest Burden | 4.68% | 4.71% | 4.51% | 4.29% | 4.34% | 4.44% | 4.39% | 4.31% | +3 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 | |