Guttenberg, NJ · Cert 28708
SI · FDIC · 2 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #126 of 151 inst. · $0.1B 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.41% | -0.66% | -0.19% | -0.20% | -0.14% | -0.11% | -0.15% | 0.25% | +44 bps | |
| Return on Equity | -5.44% | -8.87% | -2.72% | -2.80% | -1.99% | -1.59% | -2.01% | 3.30% | +610 bps | |
| Net Interest Margin | 1.82% | 1.85% | 2.12% | 2.12% | 2.18% | 2.33% | 2.47% | 2.48% | +36 bps | |
| Efficiency Ratio | 126.13% | 135.74% | 109.55% | 110.51% | 107.86% | 105.73% | 106.76% | 87.69% | -2,282 bps | |
| Non-Interest Burden | 2.32% | 2.53% | 2.34% | 2.35% | 2.36% | 2.46% | 2.63% | 2.09% | -26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.89% | 3.06% | 1.52% | 2.01% | -5.55% | -4.60% | -3.00% | -6.95% | -896 bps | |
| Loan Growth (YoY) | 16.88% | 11.96% | -0.59% | 0.88% | 1.92% | 2.31% | 2.08% | 0.92% | +4 bps | |
| Deposit Growth (YoY) | 21.17% | -3.80% | -4.51% | -3.95% | -9.47% | -4.70% | -3.46% | -8.61% | -466 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.79% | 0.47% | 0.46% | 0.46% | 0.46% | 0.44% | 0.22% | -24 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 | 0.67% | 0.69% | 0.71% | 0.68% | 0.70% | 0.72% | 0.74% | 0.74% | +5 bps | |
| Allowance Coverage of NPLs | 23.0x | 0.9x | 1.5x | 1.5x | 1.5x | 1.6x | 1.7x | 3.3x | +1.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.63% | 7.20% | 7.38% | 7.15% | 7.11% | 7.36% | 7.43% | 7.46% | +32 bps | |
| Total Risk-Based Capital | 13.38% | 13.47% | 13.19% | 12.34% | 12.34% | 12.62% | 12.48% | 12.83% | +50 bps | |
| Equity / Assets | 7.20% | 7.23% | 7.01% | 6.93% | 7.21% | 7.61% | 7.22% | 7.63% | +69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.96% | 93.27% | 88.34% | 90.05% | 94.52% | 100.13% | 93.40% | 99.44% | +939 bps | |
| Liquid Assets / Assets | 12.10% | 11.85% | 15.07% | 15.11% | 12.92% | 8.86% | 15.13% | 10.77% | -435 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 346% | 344% | 332% | n/a | n/a | |