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Schuyler Savings Bank

Kearny, NJ · Cert 30072

SI · FDIC · 2 branches

Q2 2026

$151.2MAssets
$128.0MLoans
$118.0MDeposits
$21.1MEquity
Loan mix
100%RE $122.7M0%C&I $0.0M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
98%Interest-bearing $115.6M2%Noninterest $2.4MQ2 2025Q2 2026

NIM

4.26%Q2 ’244.46%Q2 ’254.70%Q2 ’26+24%+16%

Non-interest income vs. expense

2.28%Q2 ’242.23%Q2 ’252.46%Q2 ’26-3%+11%

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #127 of 151 inst. · $0.1B of $2921.1B

Executive Summary

  • Earnings: ROA of 0.18%, up 8 bps year over year; NIM at 2.56%.
  • Asset quality: problem loans at 0.36% of loans (-22 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.07%, down 83 bps from a year ago.
  • Funding: loans stand at 108.46% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.18%+8 bps YoY

Net Interest Margin (quarter, annualized)

2.56%+36 bps YoY

Efficiency Ratio (quarter, annualized)

91.80%-387 bps YoY

Tier 1 Leverage Ratio

14.07%-83 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.10%0.23%0.34%0.21%0.18%+8 bps
Return on Equity0.67%1.53%2.32%1.46%1.31%+64 bps
Net Interest Margin2.21%2.43%2.54%2.39%2.56%+36 bps
Efficiency Ratio95.67%88.67%81.91%89.99%91.80%-387 bps
Non-Interest Burden2.11%2.14%2.05%2.14%2.34%+24 bps
Growth
Asset Growth (YoY)1.18%0.43%6.03%7.57%9.57%+839 bps
Loan Growth (YoY)-3.74%-2.78%9.65%6.70%13.04%+1,678 bps
Deposit Growth (YoY)1.41%0.36%5.63%7.47%9.99%+858 bps
Asset Quality
Nonperforming Loans / Loans0.57%0.56%0.43%0.44%0.36%-22 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.90%0.92%0.83%0.85%0.81%-9 bps
Allowance Coverage of NPLs1.6x1.7x1.9x1.9x2.3x+0.7x
Capital
Tier 1 Leverage Ratio14.91%15.07%14.43%13.95%14.07%-83 bps
Total Risk-Based Capital14.91%15.07%14.43%13.95%14.07%-83 bps
Equity / Assets15.13%15.17%14.34%14.05%13.96%-117 bps
Liquidity & Funding
Loans / Deposits105.53%103.16%110.05%105.21%108.46%+292 bps
Liquid Assets / Assets10.12%12.22%7.28%10.50%8.04%-209 bps
CRE / Total Capitaln/a116.10%123.89%117.46%n/an/a