Rutherford, NJ · Cert 30052 · Blue Foundry Bcorp
SI · FDIC · 21 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #72 of 151 inst. · $1.2B 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 | -0.47% | -0.45% | -0.43% | -0.34% | -0.29% | -0.29% | -0.96% | -1.31% | -98 bps | |
| Return on Equity | -3.50% | -3.36% | -3.27% | -2.60% | -2.28% | -2.28% | -7.52% | -9.78% | -718 bps | |
| Net Interest Margin | 1.80% | 1.79% | 2.03% | 2.08% | 2.13% | 2.15% | 2.19% | 2.42% | +34 bps | |
| Efficiency Ratio | 127.47% | 126.34% | 117.82% | 111.96% | 109.03% | 107.91% | 132.33% | 111.79% | -17 bps | |
| Non-Interest Burden | 2.33% | 2.30% | 2.41% | 2.35% | 2.33% | 2.33% | 2.92% | 2.72% | +37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.30% | 0.74% | 3.24% | 4.00% | 4.85% | 5.11% | 2.19% | -10.99% | -1,499 bps | |
| Loan Growth (YoY) | -1.43% | 1.46% | 4.60% | 8.12% | 10.57% | 6.76% | 4.02% | -0.33% | -845 bps | |
| Deposit Growth (YoY) | 3.34% | 5.92% | 5.75% | 6.18% | 11.04% | 10.51% | 8.08% | -15.48% | -2,166 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.33% | 0.32% | 0.35% | 0.38% | 0.66% | 0.67% | 0.44% | 0.82% | +45 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.27% | 0.14% | +14 bps | |
| Allowance / Loans | 0.84% | 0.82% | 0.81% | 0.80% | 0.81% | 0.85% | 0.85% | 0.86% | +6 bps | |
| Allowance Coverage of NPLs | 2.5x | 2.5x | 2.3x | 2.1x | 1.2x | 1.3x | 1.9x | 1.0x | -1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.11% | 13.98% | 13.73% | 13.51% | 13.36% | 13.09% | 13.51% | 14.64% | +113 bps | |
| Total Risk-Based Capital | 20.76% | 20.14% | 19.45% | 18.98% | 18.52% | 18.89% | 19.43% | 19.93% | +95 bps | |
| Equity / Assets | 13.28% | 13.17% | 12.91% | 12.65% | 12.54% | 12.47% | 13.14% | 14.83% | +218 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 113.16% | 113.90% | 113.75% | 115.09% | 112.68% | 110.04% | 109.48% | 135.72% | +2,063 bps | |
| Liquid Assets / Assets | 4.91% | 3.34% | 3.33% | 2.99% | 2.95% | 3.37% | 6.73% | 2.83% | -16 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 358% | 350% | 343% | n/a | n/a | |