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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.19% | 1.54% | 1.99% | 2.20% | 2.86% | 1.35% | 1.88% | 1.71% | -49 bps | |
| Return on Equity | 14.49% | 10.65% | 14.04% | 15.19% | 18.87% | 8.77% | 12.43% | 11.41% | -378 bps | |
| Net Interest Margin | 4.37% | 4.11% | 4.05% | 4.49% | 4.77% | 4.41% | 4.19% | 4.15% | -33 bps | |
| Efficiency Ratio | 34.87% | 47.74% | 36.22% | 34.74% | 29.98% | 44.52% | 34.42% | 38.25% | +351 bps | |
| Non-Interest Burden | 1.45% | 1.91% | 1.40% | 1.49% | 1.21% | 1.88% | 1.38% | 1.53% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.17% | 16.54% | 17.20% | 15.26% | 6.03% | 3.93% | 3.79% | 8.84% | -642 bps | |
| Loan Growth (YoY) | 3.27% | 4.57% | 5.33% | 2.11% | -1.02% | -1.74% | 2.70% | 8.61% | +650 bps | |
| Deposit Growth (YoY) | 15.85% | 20.28% | 20.70% | 18.56% | 7.33% | 6.52% | 6.08% | 11.87% | -669 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.86% | 0.86% | 0.84% | 0.86% | 0.78% | 0.82% | 1.63% | 1.59% | +73 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | 0.00% | 0 bps | |
| Allowance / Loans | 0.92% | 0.91% | 0.89% | 0.92% | 0.92% | 0.93% | 0.91% | 0.93% | +1 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.1x | 1.1x | 1.1x | 1.2x | 1.1x | 0.6x | 0.6x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.28% | 14.35% | 14.43% | 14.75% | 15.40% | 15.41% | 15.38% | 15.12% | +37 bps | |
| Total Risk-Based Capital | 20.03% | 19.46% | 19.56% | 19.80% | 20.74% | 20.22% | 19.56% | 19.27% | -53 bps | |
| Equity / Assets | 14.85% | 14.17% | 14.20% | 14.75% | 15.53% | 15.19% | 15.12% | 14.82% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.91% | 96.91% | 94.25% | 92.59% | 92.14% | 89.40% | 91.24% | 89.90% | -270 bps | |
| Liquid Assets / Assets | 9.06% | 9.61% | 8.85% | 9.13% | 7.93% | 8.33% | 5.40% | 6.29% | -284 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 406% | 409% | 417% | n/a | n/a | |