Kearny, NJ · Cert 30072
SI · FDIC · 2 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #127 of 151 inst. · $0.1B 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 | -0.14% | -0.11% | 0.05% | 0.07% | 0.13% | 0.18% | 0.21% | 0.20% | +12 bps | |
| Return on Equity | -0.88% | -0.68% | 0.31% | 0.49% | 0.83% | 1.21% | 1.46% | 1.38% | +90 bps | |
| Net Interest Margin | 1.83% | 1.87% | 2.10% | 2.16% | 2.26% | 2.25% | 2.39% | 2.48% | +33 bps | |
| Efficiency Ratio | 111.96% | 109.43% | 98.83% | 97.22% | 94.15% | 90.69% | 89.99% | 90.92% | -629 bps | |
| Non-Interest Burden | 2.07% | 2.06% | 2.08% | 2.09% | 2.12% | 2.03% | 2.14% | 2.25% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.86% | 1.86% | 2.79% | 1.18% | 0.43% | 6.03% | 7.57% | 9.57% | +839 bps | |
| Loan Growth (YoY) | -1.91% | -1.49% | -1.92% | -3.74% | -2.78% | 9.65% | 6.70% | 13.04% | +1,678 bps | |
| Deposit Growth (YoY) | 0.96% | 2.40% | 3.46% | 1.41% | 0.36% | 5.63% | 7.47% | 9.99% | +858 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.93% | 0.88% | 0.88% | 0.57% | 0.56% | 0.43% | 0.44% | 0.36% | -22 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.89% | 0.89% | 0.89% | 0.90% | 0.92% | 0.83% | 0.85% | 0.81% | -9 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.0x | 1.0x | 1.6x | 1.7x | 1.9x | 1.9x | 2.3x | +0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.10% | 14.88% | 14.85% | 14.91% | 15.07% | 14.43% | 13.95% | 14.07% | -83 bps | |
| Total Risk-Based Capital | 15.10% | 14.88% | 14.85% | 14.91% | 15.07% | 14.43% | 13.95% | 14.07% | -83 bps | |
| Equity / Assets | 15.27% | 15.11% | 15.00% | 15.13% | 15.17% | 14.34% | 14.05% | 13.96% | -117 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 106.49% | 106.01% | 105.97% | 105.53% | 103.16% | 110.05% | 105.21% | 108.46% | +292 bps | |
| Liquid Assets / Assets | 7.76% | 9.08% | 8.86% | 10.12% | 12.22% | 7.28% | 10.50% | 8.04% | -209 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 116.10% | 123.89% | 117.46% | n/a | n/a | |