New York, NY · Cert 26622
FDIC
Q2 2026
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 | 12.01% | 10.38% | 12.24% | 10.54% | 10.03% | 7.12% | 11.40% | 10.92% | +39 bps | |
| Return on Equity | 13.71% | 11.99% | 14.65% | 12.74% | 12.21% | 8.75% | 14.49% | 13.90% | +116 bps | |
| Net Interest Margin | 4.51% | 4.35% | 3.50% | 3.51% | 3.62% | 3.45% | 3.01% | 2.86% | -65 bps | |
| Efficiency Ratio | 77.41% | 80.43% | 78.68% | 82.38% | 83.80% | 89.09% | 85.64% | 86.03% | +365 bps | |
| Non-Interest Burden | -10.66% | -8.54% | -12.52% | -9.89% | -9.89% | -5.82% | -11.75% | -11.11% | -122 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.81% | 0.99% | 0.69% | -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 | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | 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 | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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 | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 90.14% | 77.42% | 85.32% | 74.57% | 81.80% | 75.48% | 80.19% | 80.33% | +576 bps | |
| Total Risk-Based Capital | 356% | 334% | 289% | 275% | 319% | 296% | 301% | 309% | +3,465 bps | |
| Equity / Assets | 87.91% | 82.67% | 84.33% | 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 | n/a | n/a | n/a |
| Liquid Assets / Assets | 15.56% | 21.30% | 17.51% | 22.80% | 29.36% | 26.16% | 27.29% | 30.06% | +726 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |