Elmwood Park, NJ · Cert 30076
SL · FDIC · 28 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.1% share · #48 of 151 inst. · $3.0B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.46% | 0.45% | 0.44% | 0.62% | 0.63% | +17 bps | |
| Return on Equity | 4.17% | 4.01% | 3.94% | 5.34% | 5.41% | +123 bps | |
| Net Interest Margin | 2.21% | 2.26% | 2.30% | 2.64% | 2.66% | +44 bps | |
| Efficiency Ratio | 75.11% | 76.34% | 75.81% | 66.81% | 66.68% | -843 bps | |
| Non-Interest Burden | 1.61% | 1.67% | 1.69% | 1.70% | 1.70% | +9 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.90% | 1.18% | 0.73% | -0.94% | 1.35% | -154 bps | |
| Loan Growth (YoY) | -0.91% | 1.53% | 2.07% | 3.10% | 3.30% | +421 bps | |
| Deposit Growth (YoY) | 8.06% | 2.28% | 2.05% | -1.01% | -1.47% | -953 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.66% | 0.66% | 0.58% | 0.52% | 0.58% | -8 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.02% | 0.02% | +2 bps | |
| Allowance / Loans | 0.88% | 0.86% | 0.84% | 0.85% | 0.84% | -4 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.3x | 1.5x | 1.6x | 1.5x | +0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.76% | 10.94% | 10.96% | 11.11% | 11.23% | +47 bps | |
| Total Risk-Based Capital | 17.62% | 17.67% | 17.76% | 17.80% | 17.86% | +23 bps | |
| Equity / Assets | 11.39% | 11.50% | 11.59% | 11.75% | 11.86% | +46 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 103.28% | 105.52% | 103.50% | 105.17% | 108.28% | +500 bps | |
| Liquid Assets / Assets | 1.88% | 1.49% | 2.02% | 1.27% | 1.31% | -56 bps | |
| CRE / Total Capital | n/a | 594% | 596% | 592% | n/a | n/a | |