New York, NY · Cert 26633
FDIC · 2 branches
Q3 2023
Market Position · New York-Newark-Jersey City, NY-NJ · 2023 SOD (annual) · 0.0% share · #128 of 156 inst. · $0.1B of $2583.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | -0.47% | -0.31% | 0.31% | 0.86% | 1.08% | 1.08% | 1.52% | +121 bps | |
| Return on Equity | 2.16% | -3.71% | -2.88% | 2.49% | 6.00% | 8.59% | 7.51% | 9.17% | +668 bps | |
| Net Interest Margin | 1.09% | 0.98% | 1.28% | 1.93% | 2.75% | 2.88% | 3.18% | 2.86% | +93 bps | |
| Efficiency Ratio | 69.79% | 119.68% | 110.89% | 88.48% | 77.62% | 70.04% | 74.00% | 73.66% | -1,482 bps | |
| Non-Interest Burden | -0.04% | 1.60% | 1.65% | 1.41% | 1.69% | 1.38% | 1.73% | 1.36% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.29% | 37.15% | 61.59% | -0.11% | 7.99% | 0.19% | -39.99% | 9.10% | +920 bps | |
| Loan Growth (YoY) | -23.50% | -8.34% | -11.56% | -31.05% | -29.13% | -40.75% | -47.07% | -35.50% | -445 bps | |
| Deposit Growth (YoY) | 3.90% | 36.84% | 33.69% | -1.81% | 11.41% | 9.50% | -28.87% | -36.10% | -3,429 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 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 | 14.80% | 12.80% | 12.03% | 13.91% | 14.49% | 13.27% | 14.65% | 18.79% | +488 bps | |
| Total Risk-Based Capital | 14.80% | 12.80% | 12.03% | 13.91% | 14.49% | 13.27% | 14.65% | 18.79% | +488 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 34.05% | 32.54% | 33.71% | 31.69% | 21.66% | 17.61% | 25.08% | 31.99% | +30 bps | |
| Liquid Assets / Assets | 20.01% | 15.64% | 15.89% | 25.49% | 21.90% | 18.48% | 27.83% | 22.51% | -297 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |