Stone Harbor, NJ · Cert 28788 · Sturdy Bcorp MHC
SI · FDIC · 13 branches
Q2 2026
Market Position · Atlantic City-Hammonton, NJ · 2026 SOD (annual) · 8.9% share · #4 of 16 inst. · $1.0B of $11.5B
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 | 0.32% | 0.31% | 0.35% | 0.39% | 0.52% | 0.53% | 0.68% | 0.75% | +36 bps | |
| Return on Equity | 4.98% | 4.80% | 4.92% | 5.33% | 7.02% | 7.07% | 8.17% | 8.97% | +364 bps | |
| Net Interest Margin | 2.32% | 2.42% | 2.65% | 2.70% | 2.75% | 2.83% | 3.14% | 3.23% | +53 bps | |
| Efficiency Ratio | 86.17% | 85.61% | 85.27% | 83.71% | 80.80% | 78.89% | 73.11% | 72.07% | -1,164 bps | |
| Non-Interest Burden | 1.93% | 2.01% | 2.20% | 2.19% | 2.14% | 2.14% | 2.18% | 2.20% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.11% | -6.78% | -0.56% | -1.09% | -0.07% | 0.17% | -1.28% | 1.21% | +230 bps | |
| Loan Growth (YoY) | 4.11% | 6.24% | 9.95% | 5.71% | 4.51% | 3.05% | 3.34% | 2.44% | -327 bps | |
| Deposit Growth (YoY) | -2.23% | -0.82% | 0.77% | 0.98% | 1.88% | 1.50% | 1.70% | 3.42% | +245 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.11% | 0.31% | 0.29% | 0.06% | 0.06% | 0.06% | 0.15% | 0.15% | +9 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.03% | 0.03% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.59% | 0.61% | 0.60% | 0.60% | 0.50% | 0.51% | 0.51% | 0.50% | -10 bps | |
| Allowance Coverage of NPLs | 5.2x | 2.0x | 2.0x | 10.8x | 8.9x | 9.2x | 3.3x | 3.4x | -7.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.39% | 8.59% | 8.91% | 8.98% | 8.95% | 9.04% | 9.55% | 9.68% | +70 bps | |
| Total Risk-Based Capital | 15.59% | 15.66% | 15.63% | 15.79% | 16.55% | 16.63% | 16.61% | 16.80% | +101 bps | |
| Equity / Assets | 6.70% | 7.11% | 7.28% | 7.47% | 7.60% | 8.17% | 8.43% | 8.53% | +106 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.18% | 60.91% | 63.86% | 63.95% | 58.66% | 61.84% | 64.89% | 63.34% | -61 bps | |
| Liquid Assets / Assets | 27.83% | 24.86% | 23.76% | 23.34% | 28.12% | 25.61% | 23.27% | 24.36% | +102 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 281% | 278% | 279% | n/a | n/a | |