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Maspeth Federal Savings and Loan Association

Maspeth, NY · Cert 30303

State savings bank · OCC · 8 branches

Q2 2026

$2.2BAssets
$2.0BLoans
$1.4BDeposits
$772.3MEquity
Loan mix
100%RE $2.0B0%C&I $0.0B0%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
96%Interest-bearing $1.3B4%Noninterest $0.1BQ3 2024Q2 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

1.5% Queens
0.2% Nassau

Executive Summary

  • Earnings: ROA of 1.10%, up 27 bps year over year; NIM at 3.63%.
  • Asset quality: problem loans at 1.22% of loans (-13 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 34.89%, unchanged from a year ago.
  • Funding: loans stand at 140.08% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.10%+27 bps YoY

Net Interest Margin (YTD, annualized)

3.63%+26 bps YoY

Efficiency Ratio (YTD, annualized)

59.29%-372 bps YoY

Tier 1 Leverage Ratio

34.89%0 bps YoY

NIM

4.41%Q2 ’244.63%Q2 ’254.78%Q2 ’26+7%+8%

Non-interest income vs. expense

2.18%Q2 ’242.13%Q2 ’252.15%Q2 ’26-2%+2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.73%0.68%0.79%0.82%0.91%0.84%1.08%1.10%+27 bps
Return on Equity2.17%2.03%2.35%2.40%2.64%2.44%3.14%3.16%+76 bps
Net Interest Margin3.12%3.10%3.21%3.37%3.47%3.44%3.60%3.63%+26 bps
Efficiency Ratio68.87%69.04%65.51%63.02%61.37%63.66%58.10%59.29%-372 bps
Non-Interest Burden2.13%2.12%2.10%2.12%2.12%2.18%2.08%2.15%+3 bps
Growth
Asset Growth (YoY)4.17%3.68%0.76%-1.59%-2.46%-0.33%1.65%3.08%+467 bps
Loan Growth (YoY)0.50%-0.92%-1.92%-2.62%-2.44%-1.30%-0.53%0.52%+315 bps
Deposit Growth (YoY)4.80%4.71%-0.03%-3.81%-4.82%-1.89%1.17%3.25%+705 bps
Asset Quality
Nonperforming Loans / Loans1.65%1.57%1.49%1.35%1.48%1.37%1.34%1.22%-13 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.84%0.89%0.88%0.92%0.91%0.94%0.94%0.93%+1 bps
Allowance Coverage of NPLs0.5x0.6x0.6x0.7x0.6x0.7x0.7x0.8x+0.1x
Capital
Tier 1 Leverage Ratio33.99%33.68%34.08%34.88%35.56%35.07%34.83%34.89%0 bps
Total Risk-Based Capital33.99%33.68%34.08%34.88%35.56%35.07%34.83%34.89%0 bps
Equity / Assets33.44%33.55%34.02%34.98%35.20%34.57%34.39%34.92%-5 bps
Liquidity & Funding
Loans / Deposits140.90%138.47%140.29%143.87%144.41%139.30%137.93%140.08%-379 bps
Liquid Assets / Assets4.54%5.74%5.89%4.25%4.39%6.51%7.60%6.55%+230 bps
CRE / Total Capitaln/an/an/an/a139.70%140.77%140.98%n/an/a