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Ascendia Bank

Glen Rock, NJ · Cert 28729 · Peer group: banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30-31)

SI · FDIC · 5 branches

Q2 2026

$395.3MAssets
$321.5MLoans
$318.8MDeposits
$35.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 17 of 30).
  • Widest gap: equity / assets trails 87% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 27 of 31).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.23%

Rank 21 of 31

Net Interest Margin

2.43%

Rank 27 of 31

Efficiency Ratio

89.50%

Rank 21 of 31

Equity / Assets

9.09%

Rank 27 of 31

Non-interest income vs. expense

$0.7M$9.0MINCOMEEXPENSE
Unfavorable gap of $8.4M · efficiency ratio beats 35% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 89.50%Peer median 83.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.23%-0.02%0.39%0.84%Beats 32%21 / 31
Return on Equity2.57%-0.19%2.57%5.72%Beats 48%16 / 31
Net Interest Margin2.43%2.51%3.30%3.85%Beats 13%27 / 31
Efficiency Ratio89.50%68.41%83.66%91.76%Beats 35%21 / 31
Asset Quality
Nonperforming Loans / Loans0.13%0.18%0.47%2.65%Beats 80%7 / 30
Net Charge-Offs / Loans0.00%n/an/a0.02%Beats 100%17 / 30
Capital
Tier 1 Capital Ratio13.67%13.24%15.54%26.77%Beats 32%21 / 31
Total Risk-Based Capital Ratio14.33%14.07%16.32%26.77%Beats 35%20 / 31
Equity / Assets9.09%10.38%13.26%17.83%Beats 13%27 / 31
Liquidity & Funding
Loans / Deposits100.85%84.03%94.98%103.65%65th pctl11 / 31
Loans / Assets81.33%61.61%75.31%83.78%65th pctl11 / 31
Brokered Deposits / Depositsn/aNot reported for this institution