New York, NY · Cert 26622
FDIC
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 | 8.56% | 9.21% | -1.97% | 11.40% | 10.49% | +192 bps | |
| Return on Equity | 10.35% | 11.42% | -2.49% | 14.49% | 13.33% | +298 bps | |
| Net Interest Margin | 3.51% | 3.38% | 3.10% | 3.01% | 2.81% | -71 bps | |
| Efficiency Ratio | 86.01% | 86.41% | 102.99% | 85.64% | 86.41% | +40 bps | |
| Non-Interest Burden | -7.21% | -8.56% | 5.90% | -11.75% | -10.84% | -362 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.66% | -11.24% | -8.13% | -7.09% | 6.97% | +1,663 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 | 74.57% | 81.80% | 75.48% | 80.19% | 80.33% | +576 bps | |
| Total Risk-Based Capital | 275% | 319% | 296% | 301% | 309% | +3,465 bps | |
| Equity / Assets | 80.96% | 80.38% | 78.32% | 79.04% | 78.31% | -264 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 22.80% | 29.36% | 26.16% | 27.29% | 30.06% | +726 bps | |
| CRE / Total Capital | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |