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 |