New York, NY · Cert 26876 · Snbny Holdings Ltd.
National charter · OCC · 7 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.3% share · #28 of 151 inst. · $9.9B of $2921.1B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.85% | 0.89% | 0.92% | 0.94% | 0.92% | +7 bps | |
| Return on Equity | 7.36% | 7.84% | 8.22% | 8.65% | 9.25% | +189 bps | |
| Net Interest Margin | 2.01% | 1.92% | 1.80% | 1.91% | 1.83% | -17 bps | |
| Efficiency Ratio | 64.62% | 63.64% | 64.01% | 63.35% | 60.98% | -363 bps | |
| Non-Interest Burden | 0.79% | 0.68% | 0.61% | 0.69% | 0.50% | -29 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.47% | 19.59% | 10.26% | 9.51% | 45.34% | +3,687 bps | |
| Loan Growth (YoY) | 2.51% | 9.03% | 6.91% | 27.24% | 24.82% | +2,231 bps | |
| Deposit Growth (YoY) | 9.14% | 23.28% | 13.90% | 10.56% | 53.35% | +4,420 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.08% | 0.08% | 0.00% | 0.00% | 0.00% | -8 bps | |
| Net Charge-Offs / Loans | 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 |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.91% | 9.72% | 8.52% | 8.74% | 8.56% | -135 bps | |
| Total Risk-Based Capital | 26.59% | 24.54% | 22.94% | 24.18% | 24.08% | -251 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Deposits | 32.50% | 30.69% | 30.68% | 34.87% | 26.45% | -605 bps | |
| 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 |