New York, NY · Cert 24938
NC
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 12.16% | 11.38% | 10.03% | 12.73% | 10.84% | -133 bps | |
| Return on Equity | 12.31% | 11.51% | 10.10% | 12.85% | 11.00% | -131 bps | |
| Net Interest Margin | 2.21% | 1.95% | 1.85% | 1.65% | 1.60% | -61 bps | |
| Efficiency Ratio | 63.34% | 59.23% | 64.07% | 52.59% | 65.39% | +205 bps | |
| Non-Interest Burden | -12.50% | -13.12% | -10.93% | -15.11% | -12.82% | -32 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 38.70% | 35.44% | 32.39% | 34.20% | 12.57% | -2,614 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 100.14% | 100.92% | 100.88% | 100.87% | 101.58% | +144 bps | |
| Total Risk-Based Capital | 286% | 366% | 359% | 349% | 344% | +5,797 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |