Englewood, NJ · Cert 29875
FDIC · 10 branches
Q1 2025
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
87
Asset Quality
27
Profitability
61
Liquidity
99
Efficiency
82
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.
Englewood, NJ · Cert 29875
FDIC · 10 branches
Q1 2025
Market Position · New York-Newark-Jersey City, NY-NJ · 2024 SOD (annual) · 0.0% share · #99 of 150 inst. · $0.5B of $2586.6B
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 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.83% | 0.82% | 0.83% | 0.48% | 0.54% | 0.62% | 0.66% | 1.37% | +89 bps | |
| Return on Equity | 5.01% | 4.90% | 4.88% | 2.68% | 2.99% | 3.45% | 3.60% | 6.95% | +427 bps | |
| Net Interest Margin | 2.60% | 2.63% | 2.67% | 2.40% | 2.39% | 2.45% | 2.56% | 2.62% | +22 bps | |
| Efficiency Ratio | 63.90% | 63.66% | 64.05% | 77.49% | 74.90% | 70.38% | 69.09% | 60.95% | -1,654 bps | |
| Non-Interest Burden | 1.59% | 1.60% | 1.62% | 1.81% | 1.73% | 1.65% | 1.69% | 1.08% | -74 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.29% | 0.41% | -4.93% | -2.33% | -0.24% | 0.74% | -2.48% | -5.49% | -316 bps | |
| Loan Growth (YoY) | -0.78% | 1.95% | -1.31% | -4.38% | -1.23% | -4.27% | -5.56% | -5.94% | -156 bps | |
| Deposit Growth (YoY) | -5.81% | -8.67% | -11.99% | -3.70% | -1.08% | 1.83% | -5.83% | -10.85% | -715 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.34% | 2.58% | 2.34% | 2.24% | 2.13% | 2.12% | 2.42% | 2.57% | +33 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | +1 bps | |
| Allowance / Loans | 0.59% | 0.59% | 0.49% | 0.49% | 0.48% | 0.47% | 0.46% | 0.47% | -1 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.2x | 0.2x | 0.2x | 0.2x | 0.2x | 0.2x | 0.2x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 17.77% | 18.11% | 18.83% | 18.82% | 18.66% | 18.77% | 19.68% | 20.54% | +172 bps | |
| Total Risk-Based Capital | 32.69% | 32.92% | 33.93% | 34.79% | 35.49% | 36.62% | 38.02% | 40.70% | +591 bps | |
| Equity / Assets | 16.99% | 17.27% | 18.20% | 17.84% | 17.86% | 18.43% | 19.44% | 20.07% | +223 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.53% | 89.18% | 88.36% | 83.61% | 83.41% | 83.83% | 88.62% | 88.21% | +460 bps | |
| Liquid Assets / Assets | 20.80% | 19.65% | 18.56% | 23.06% | 24.12% | 26.12% | 25.22% | 28.19% | +513 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.38% | 0.05% | 0.47% | 0.92% | Beats 82% | 6 / 34 | ||
| Return on Equity | 6.86% | 0.31% | 2.73% | 6.86% | Beats 74% | 9 / 34 | ||
| Net Interest Margin | 2.62% | 2.60% | 3.07% | 3.92% | Beats 26% | 25 / 34 | ||
| Efficiency Ratio | 60.95% | 69.26% | 84.57% | 98.83% | Beats 82% | 7 / 34 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.57% | 0.30% | 0.84% | 1.92% | Beats 24% | 26 / 33 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | n/a | 0.00% | Beats 30% | 24 / 33 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 40.18% | 13.34% | 18.32% | 25.13% | Beats 88% | 4 / 34 | ||
| Total Risk-Based Capital Ratio | 40.70% | 13.55% | 19.56% | 25.13% | Beats 88% | 4 / 34 | ||
| Equity / Assets | 20.07% | 10.51% | 13.00% | 15.51% | Beats 85% | 5 / 34 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 88.21% | 82.76% | 88.83% | 103.05% | 38th pctl | 21 / 34 | ||
| Loans / Assets | 55.72% | 63.39% | 75.15% | 80.64% | 12th pctl | 29 / 33 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||