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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