Middle Village, NY · Cert 30260
SI · FDIC · 6 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #102 of 151 inst. · $0.4B 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 | 0.36% | 0.39% | 0.37% | 0.41% | 0.54% | 0.53% | 0.41% | 0.46% | +5 bps | |
| Return on Equity | 3.09% | 3.33% | 3.08% | 3.40% | 4.43% | 4.35% | 3.26% | 3.64% | +24 bps | |
| Net Interest Margin | 3.36% | 3.34% | 3.42% | 3.45% | 3.48% | 3.50% | 3.53% | 3.58% | +13 bps | |
| Efficiency Ratio | 87.41% | 86.50% | 87.22% | 85.87% | 82.94% | 82.90% | 86.25% | 84.66% | -121 bps | |
| Non-Interest Burden | 2.91% | 2.86% | 2.96% | 2.93% | 2.82% | 2.85% | 3.02% | 2.99% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.27% | 1.97% | 0.55% | -1.25% | -2.55% | -1.19% | 0.35% | -1.23% | +2 bps | |
| Loan Growth (YoY) | -1.18% | -0.75% | -1.49% | -1.98% | -3.10% | -1.97% | -1.61% | -1.58% | +39 bps | |
| Deposit Growth (YoY) | -0.96% | 3.03% | 2.04% | 0.00% | -1.59% | -1.98% | -0.51% | -2.14% | -214 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.97% | 0.70% | 0.64% | 0.85% | 0.85% | 1.08% | 1.11% | 2.21% | +135 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.50% | 0.50% | 0.50% | 0.51% | 0.51% | 0.51% | 0.51% | 0.52% | +1 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.7x | 0.8x | 0.6x | 0.6x | 0.5x | 0.5x | 0.2x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.70% | 11.69% | 12.00% | 12.17% | 12.53% | 12.73% | 12.65% | 12.84% | +66 bps | |
| Total Risk-Based Capital | 19.58% | 19.82% | 19.98% | 20.44% | 20.98% | 21.02% | 21.23% | 21.45% | +101 bps | |
| Equity / Assets | 11.68% | 11.81% | 11.94% | 12.17% | 12.58% | 12.60% | 12.48% | 12.90% | +72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.14% | 88.89% | 88.39% | 87.78% | 88.76% | 88.90% | 87.41% | 88.28% | +50 bps | |
| Liquid Assets / Assets | 11.23% | 10.02% | 9.57% | 10.86% | 10.59% | 10.51% | 11.66% | 10.68% | -18 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 160.74% | 156.83% | 157.21% | n/a | n/a | |