Flushing, NY · Cert 27267
State charter, non-member · FDIC · 8 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #88 of 151 inst. · $0.6B 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 | 2.10% | 2.36% | 2.10% | 1.88% | 1.79% | -31 bps | |
| Return on Equity | 14.62% | 16.08% | 14.24% | 12.43% | 11.91% | -271 bps | |
| Net Interest Margin | 4.24% | 4.40% | 4.46% | 4.19% | 4.08% | -16 bps | |
| Efficiency Ratio | 35.44% | 33.42% | 36.15% | 34.42% | 36.38% | +94 bps | |
| Non-Interest Burden | 1.43% | 1.36% | 1.50% | 1.38% | 1.42% | -1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 15.26% | 6.03% | 3.93% | 3.79% | 8.84% | -642 bps | |
| Loan Growth (YoY) | 2.11% | -1.02% | -1.74% | 2.70% | 8.61% | +650 bps | |
| Deposit Growth (YoY) | 18.56% | 7.33% | 6.52% | 6.08% | 11.87% | -669 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.86% | 0.78% | 0.82% | 1.63% | 1.59% | +73 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.04% | 0.02% | +2 bps | |
| Allowance / Loans | 0.92% | 0.92% | 0.93% | 0.91% | 0.93% | +1 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.2x | 1.1x | 0.6x | 0.6x | -0.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.75% | 15.40% | 15.41% | 15.38% | 15.12% | +37 bps | |
| Total Risk-Based Capital | 19.80% | 20.74% | 20.22% | 19.56% | 19.27% | -53 bps | |
| Equity / Assets | 14.75% | 15.53% | 15.19% | 15.12% | 14.82% | +7 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 92.59% | 92.14% | 89.40% | 91.24% | 89.90% | -270 bps | |
| Liquid Assets / Assets | 9.13% | 7.93% | 8.33% | 5.40% | 6.29% | -284 bps | |
| CRE / Total Capital | n/a | 406% | 409% | 417% | n/a | n/a | |