Glen Rock, NJ · Cert 28729
SI · FDIC · 5 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #108 of 151 inst. · $0.3B 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 | -0.15% | -0.11% | -0.05% | -0.64% | -0.06% | 0.10% | 0.14% | 0.33% | +98 bps | |
| Return on Equity | -1.55% | -1.23% | -0.51% | -7.08% | -0.68% | 1.06% | 1.54% | 3.62% | +1,070 bps | |
| Net Interest Margin | 1.88% | 1.89% | 1.93% | 2.04% | 2.13% | 2.35% | 2.33% | 2.55% | +51 bps | |
| Efficiency Ratio | 110.77% | 107.43% | 111.85% | 104.17% | 102.93% | 95.74% | 95.57% | 84.03% | -2,015 bps | |
| Non-Interest Burden | 2.10% | 2.04% | 2.18% | 2.13% | 2.20% | 2.24% | 2.22% | 2.12% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.82% | 2.70% | 3.25% | 1.10% | 0.69% | -3.64% | -1.49% | 1.38% | +27 bps | |
| Loan Growth (YoY) | 0.11% | 5.39% | 2.69% | 0.03% | -0.59% | -3.74% | -0.40% | 2.57% | +253 bps | |
| Deposit Growth (YoY) | 1.98% | 2.43% | 4.94% | 8.50% | 9.80% | 2.41% | 6.65% | 3.97% | -453 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.09% | 0.22% | 0.21% | 0.23% | 0.12% | 0.06% | 0.05% | 0.13% | -9 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 | 0.58% | 0.58% | 0.53% | 0.53% | 0.53% | 0.54% | 0.52% | 0.52% | -1 bps | |
| Allowance Coverage of NPLs | 6.3x | 2.6x | 2.6x | 2.4x | 4.4x | 9.6x | 9.6x | 3.9x | +1.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.38% | 9.30% | 9.17% | 9.05% | 9.11% | 9.24% | 9.32% | 9.29% | +23 bps | |
| Total Risk-Based Capital | 14.37% | 14.08% | 14.27% | 14.24% | 14.09% | 15.26% | 14.68% | 14.33% | +8 bps | |
| Equity / Assets | 9.35% | 9.18% | 9.14% | 9.08% | 9.08% | 9.38% | 9.17% | 9.09% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 112.44% | 111.26% | 108.88% | 102.24% | 101.80% | 104.58% | 101.68% | 100.85% | -138 bps | |
| Liquid Assets / Assets | 11.35% | 10.95% | 11.87% | 12.73% | 12.92% | 11.13% | 12.18% | 12.60% | -13 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 342% | 329% | 348% | n/a | n/a | |