Wall Township, NJ · Cert 30470 · MB Mutual Holding Co.
SI · FDIC · 15 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.1% share · #47 of 151 inst. · $3.1B 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 | 0.60% | 0.58% | 0.75% | 0.80% | 0.85% | 0.85% | 0.39% | 0.67% | -13 bps | |
| Return on Equity | 6.74% | 6.51% | 8.42% | 8.99% | 9.51% | 9.38% | 4.14% | 7.18% | -181 bps | |
| Net Interest Margin | 2.60% | 2.59% | 2.77% | 2.84% | 2.81% | 2.83% | 3.05% | 3.07% | +23 bps | |
| Efficiency Ratio | 67.42% | 67.23% | 64.03% | 62.72% | 61.79% | 61.73% | 61.84% | 59.58% | -314 bps | |
| Non-Interest Burden | 1.71% | 1.69% | 1.72% | 1.71% | 1.67% | 1.68% | 1.83% | 1.76% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.17% | 8.48% | 8.56% | 8.60% | 10.58% | 8.09% | 6.35% | 8.82% | +21 bps | |
| Loan Growth (YoY) | 12.36% | 12.41% | 12.40% | 10.37% | 6.99% | 5.67% | 4.86% | 6.88% | -349 bps | |
| Deposit Growth (YoY) | 3.69% | 4.00% | 5.67% | 8.36% | 11.76% | 11.48% | 8.76% | 10.18% | +182 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.04% | 0.59% | 0.57% | 0.72% | 0.86% | 0.85% | 0.75% | 0.64% | -9 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.16% | 0.11% | 0.10% | 0.57% | 0.28% | +11 bps | |
| Allowance / Loans | 0.82% | 0.86% | 0.87% | 0.79% | 0.80% | 0.80% | 0.85% | 0.85% | +6 bps | |
| Allowance Coverage of NPLs | 19.1x | 1.5x | 1.5x | 1.1x | 0.9x | 0.9x | 1.1x | 1.3x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.43% | 9.40% | 9.49% | 9.47% | 9.30% | 9.33% | 9.65% | 9.69% | +21 bps | |
| Total Risk-Based Capital | 11.74% | 11.68% | 11.54% | 11.60% | 11.84% | 11.75% | 12.07% | 11.94% | +33 bps | |
| Equity / Assets | 9.04% | 8.89% | 8.90% | 9.01% | 9.04% | 9.20% | 9.42% | 9.33% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.20% | 101.23% | 100.03% | 99.03% | 94.98% | 95.96% | 96.44% | 96.07% | -296 bps | |
| Liquid Assets / Assets | 5.06% | 5.68% | 6.99% | 6.88% | 9.85% | 9.13% | 8.30% | 8.11% | +123 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 488% | 490% | 484% | n/a | n/a | |