Middletown, NY · Cert 28712
SL · OCC · 1 branch
Q2 2026
Market Position · Kiryas Joel-Poughkeepsie-Newburgh, NY · 2026 SOD (annual) · 0.6% share · #21 of 26 inst. · $0.1B of $19.5B
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 | 1.17% | 1.08% | 2.12% | 2.34% | 2.05% | 0.90% | 2.08% | 1.64% | -70 bps | |
| Return on Equity | 3.25% | 3.04% | 6.01% | 6.55% | 5.63% | 2.44% | 5.68% | 4.49% | -206 bps | |
| Net Interest Margin | 4.78% | 4.61% | 4.82% | 5.23% | 4.95% | 4.96% | 4.89% | 4.91% | -32 bps | |
| Efficiency Ratio | 49.25% | 65.02% | 45.59% | 41.30% | 46.86% | 74.42% | 50.20% | 41.24% | -6 bps | |
| Non-Interest Burden | 2.31% | 2.93% | 2.02% | 2.22% | 2.27% | 3.66% | 2.40% | 1.96% | -26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.71% | 6.65% | 5.70% | 4.46% | 2.39% | 1.07% | 1.80% | 3.89% | -56 bps | |
| Loan Growth (YoY) | 17.93% | 21.59% | 16.49% | 8.89% | 5.99% | 0.58% | -4.53% | -1.22% | -1,011 bps | |
| Deposit Growth (YoY) | 6.65% | 8.21% | 6.70% | 4.35% | 0.49% | -1.57% | -0.25% | 3.38% | -97 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.48% | 0.22% | 0.23% | 0.23% | 0.23% | 0.23% | 0.00% | -23 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.98% | 0.00% | 0.00% | 0.00% | 0.00% | 0.94% | +94 bps | |
| Allowance / Loans | 1.28% | 1.30% | 1.02% | 1.05% | 1.03% | 1.07% | 1.02% | 1.04% | -2 bps | |
| Allowance Coverage of NPLs | n/a | 2.7x | 4.6x | 4.6x | 4.6x | 4.7x | 4.4x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 35.95% | 35.49% | 35.67% | 36.25% | 36.87% | 36.98% | 36.91% | 36.94% | +69 bps | |
| Total Risk-Based Capital | 35.95% | 35.49% | 35.67% | 36.25% | 36.87% | 36.98% | 36.91% | 36.94% | +69 bps | |
| Equity / Assets | 35.67% | 35.31% | 35.30% | 36.22% | 36.73% | 36.79% | 36.48% | 36.49% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 136.77% | 139.27% | 142.10% | 140.23% | 144.26% | 142.30% | 136.01% | 133.99% | -624 bps | |
| Liquid Assets / Assets | 13.66% | 11.25% | 9.73% | 12.01% | 10.59% | 11.52% | 14.82% | 16.11% | +409 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 224% | 221% | 216% | n/a | n/a | |