Irvington, NY · Cert 28805 · Vecta Partners LLC
State savings bank · OCC · 1 branch
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #132 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 | -1.92% | -7.95% | -1.24% | -1.36% | -1.67% | -1.18% | -0.97% | -0.86% | +50 bps | |
| Return on Equity | -10.28% | -45.85% | -10.45% | -11.39% | -14.39% | -10.07% | -8.18% | -7.19% | +419 bps | |
| Net Interest Margin | 3.57% | 3.27% | 3.30% | 3.28% | 3.41% | 3.37% | 3.30% | 3.49% | +21 bps | |
| Efficiency Ratio | 148.92% | 140.01% | 123.23% | 122.46% | 136.28% | 123.61% | 115.95% | 119.63% | -283 bps | |
| Non-Interest Burden | 5.02% | 10.61% | 4.06% | 4.01% | 4.66% | 4.19% | 3.81% | 4.16% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.74% | -1.40% | -1.17% | -5.19% | 4.13% | -1.15% | -1.82% | -5.05% | +14 bps | |
| Loan Growth (YoY) | 40.29% | 18.34% | 11.70% | 0.58% | -3.72% | 1.04% | 5.77% | 6.80% | +621 bps | |
| Deposit Growth (YoY) | 6.38% | 9.34% | 7.39% | 1.76% | 14.57% | -1.35% | -1.42% | -4.95% | -671 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.59% | 0.12% | 0.11% | 0.22% | 0.31% | 0.20% | 0.20% | 0.18% | -4 bps | |
| Net Charge-Offs / Loans | 0.20% | 0.51% | -0.04% | 0.59% | 0.36% | 0.36% | -0.02% | -0.02% | -60 bps | |
| Allowance / Loans | 0.67% | 0.96% | 1.14% | 1.19% | 1.28% | 1.23% | 1.31% | 1.25% | +6 bps | |
| Allowance Coverage of NPLs | 1.1x | 8.1x | 9.9x | 5.4x | 4.1x | 6.0x | 6.5x | 6.9x | +1.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.62% | 12.34% | 12.94% | 12.43% | 12.15% | 12.09% | 11.92% | 12.26% | -17 bps | |
| Total Risk-Based Capital | 22.36% | 22.97% | 22.87% | 23.34% | 20.57% | 20.85% | 19.79% | 20.96% | -238 bps | |
| Equity / Assets | 18.61% | 11.72% | 12.12% | 11.97% | 10.75% | 12.03% | 11.76% | 11.91% | -5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.87% | 55.16% | 58.02% | 57.43% | 51.15% | 56.50% | 62.24% | 64.52% | +710 bps | |
| Liquid Assets / Assets | 3.70% | 12.65% | 11.11% | 10.02% | 17.81% | 10.46% | 5.68% | 7.50% | -253 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 236% | 232% | 256% | n/a | n/a | |