Maspeth, NY · Cert 30303
State savings bank · OCC · 8 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #67 of 151 inst. · $1.4B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.82% | 0.91% | 0.84% | 1.08% | 1.10% | +27 bps | |
| Return on Equity | 2.40% | 2.64% | 2.44% | 3.14% | 3.16% | +76 bps | |
| Net Interest Margin | 3.37% | 3.47% | 3.44% | 3.60% | 3.63% | +26 bps | |
| Efficiency Ratio | 63.02% | 61.37% | 63.66% | 58.10% | 59.29% | -372 bps | |
| Non-Interest Burden | 2.12% | 2.12% | 2.18% | 2.08% | 2.15% | +3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.59% | -2.46% | -0.33% | 1.65% | 3.08% | +467 bps | |
| Loan Growth (YoY) | -2.62% | -2.44% | -1.30% | -0.53% | 0.52% | +315 bps | |
| Deposit Growth (YoY) | -3.81% | -4.82% | -1.89% | 1.17% | 3.25% | +705 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.35% | 1.48% | 1.37% | 1.34% | 1.22% | -13 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.92% | 0.91% | 0.94% | 0.94% | 0.93% | +1 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.6x | 0.7x | 0.7x | 0.8x | +0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 34.88% | 35.56% | 35.07% | 34.83% | 34.89% | 0 bps | |
| Total Risk-Based Capital | 34.88% | 35.56% | 35.07% | 34.83% | 34.89% | 0 bps | |
| Equity / Assets | 34.98% | 35.20% | 34.57% | 34.39% | 34.92% | -5 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 143.87% | 144.41% | 139.30% | 137.93% | 140.08% | -379 bps | |
| Liquid Assets / Assets | 4.25% | 4.39% | 6.51% | 7.60% | 6.55% | +230 bps | |
| CRE / Total Capital | n/a | 139.70% | 140.77% | 140.98% | n/a | n/a | |