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Nve Bank

Englewood, NJ · Cert 29875

FDIC · 10 branches

Q1 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area3

Basis

Quarter: Q1 2025, the quarter ended March 31, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=33 to 34). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

87

Q2 2024Q1 2025peer median (50)

Asset Quality

27

Q2 2024Q1 2025peer median (50)

Profitability

61

Q2 2024Q1 2025peer median (50)

Liquidity

99

Q2 2024Q1 2025peer median

Efficiency

82

Q2 2024Q1 2025peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Nve Bank

Englewood, NJ · Cert 29875

FDIC · 10 branches

Q1 2025

$645.2MAssets
$359.5MLoans
$407.5MDeposits
$129.5MEquity
Loan mix
100%RE $238.5M0%C&I $0.1M0%Consumer $0.2MQ1 2024Q1 2025
Deposit mix
72%Interest-bearing $292.5M28%Noninterest $115.1MQ1 2024Q1 2025

NIM

3.32%Q1 ’233.74%Q1 ’243.88%Q1 ’25-9%+9%

Non-interest income vs. expense

1.76%Q1 ’232.03%Q1 ’242.42%Q1 ’25+16%-41%

Market Position · New York-Newark-Jersey City, NY-NJ · 2024 SOD (annual) · 0.0% share · #99 of 150 inst. · $0.5B of $2586.6B

Executive Summary

  • Earnings: ROA of 1.37%, up 89 bps year over year; NIM at 2.62%.
  • Asset quality: problem loans at 2.57% of loans (+33 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 20.54%, up 172 bps from a year ago.
  • Funding: loans stand at 88.21% of deposits as of Q1 2025.

Financial Results

Return on Assets (YTD, annualized)

1.37%+89 bps YoY

Net Interest Margin (YTD, annualized)

2.62%+22 bps YoY

Efficiency Ratio (YTD, annualized)

60.95%-1,654 bps YoY

Tier 1 Leverage Ratio

20.54%+172 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets0.48%0.54%0.62%0.66%1.37%+89 bps
Return on Equity2.68%2.99%3.45%3.60%6.95%+427 bps
Net Interest Margin2.40%2.39%2.45%2.56%2.62%+22 bps
Efficiency Ratio77.49%74.90%70.38%69.09%60.95%-1,654 bps
Non-Interest Burden1.81%1.73%1.65%1.69%1.08%-74 bps
Growth
Asset Growth (YoY)-2.33%-0.24%0.74%-2.48%-5.49%-316 bps
Loan Growth (YoY)-4.38%-1.23%-4.27%-5.56%-5.94%-156 bps
Deposit Growth (YoY)-3.70%-1.08%1.83%-5.83%-10.85%-715 bps
Asset Quality
Nonperforming Loans / Loans2.24%2.13%2.12%2.42%2.57%+33 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.01%+1 bps
Allowance / Loans0.49%0.48%0.47%0.46%0.47%-1 bps
Allowance Coverage of NPLs0.2x0.2x0.2x0.2x0.2x0.0x
Capital
Tier 1 Leverage Ratio18.82%18.66%18.77%19.68%20.54%+172 bps
Total Risk-Based Capital34.79%35.49%36.62%38.02%40.70%+591 bps
Equity / Assets17.84%17.86%18.43%19.44%20.07%+223 bps
Liquidity & Funding
Loans / Deposits83.61%83.41%83.83%88.62%88.21%+460 bps
Liquid Assets / Assets23.06%24.12%26.12%25.22%28.19%+513 bps
CRE / Total Capitaln/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Nve Bank

Englewood, NJ · Cert 29875 · Peer group: banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=33-34)

FDIC · 10 branches

Q1 2025

$645.2MAssets
$359.5MLoans
$407.5MDeposits
$129.5MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 88% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 4 of 34).
  • Widest gap: nonperforming loans / loans trails 76% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 26 of 33).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.38%

Rank 6 of 34

Net Interest Margin

2.62%

Rank 25 of 34

Efficiency Ratio

60.95%

Rank 7 of 34

Equity / Assets

20.07%

Rank 5 of 34

Non-interest income vs. expense

$8.8M$15.9MINCOMEEXPENSE
Unfavorable gap of $7.1M · efficiency ratio beats 82% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 60.95%Peer median 84.6%Q2 2024Q1 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.38%0.05%0.47%0.92%Beats 82%6 / 34
Return on Equity6.86%0.31%2.73%6.86%Beats 74%9 / 34
Net Interest Margin2.62%2.60%3.07%3.92%Beats 26%25 / 34
Efficiency Ratio60.95%69.26%84.57%98.83%Beats 82%7 / 34
Asset Quality
Nonperforming Loans / Loans2.57%0.30%0.84%1.92%Beats 24%26 / 33
Net Charge-Offs / Loans0.00%n/an/a0.00%Beats 30%24 / 33
Capital
Tier 1 Capital Ratio40.18%13.34%18.32%25.13%Beats 88%4 / 34
Total Risk-Based Capital Ratio40.70%13.55%19.56%25.13%Beats 88%4 / 34
Equity / Assets20.07%10.51%13.00%15.51%Beats 85%5 / 34
Liquidity & Funding
Loans / Deposits88.21%82.76%88.83%103.05%38th pctl21 / 34
Loans / Assets55.72%63.39%75.15%80.64%12th pctl29 / 33
Brokered Deposits / Depositsn/aNot reported for this institution