New Brunswick, NJ · Cert 30704 · Magyar Bcorp Inc.
SI · FDIC · 7 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #80 of 151 inst. · $0.9B 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 | 0.95% | 0.94% | 1.13% | 1.11% | 1.09% | 1.14% | 1.23% | 1.25% | +14 bps | |
| Return on Equity | 8.72% | 8.68% | 10.53% | 10.10% | 9.79% | 10.23% | 10.99% | 10.95% | +85 bps | |
| Net Interest Margin | 2.91% | 2.93% | 3.20% | 3.19% | 3.29% | 3.30% | 3.51% | 3.49% | +29 bps | |
| Efficiency Ratio | 61.65% | 61.68% | 56.55% | 56.48% | 56.10% | 55.25% | 52.46% | 52.01% | -446 bps | |
| Non-Interest Burden | 1.65% | 1.66% | 1.64% | 1.68% | 1.72% | 1.70% | 1.72% | 1.69% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.90% | 9.98% | 10.03% | 4.55% | 4.79% | 3.66% | 4.54% | 6.16% | +161 bps | |
| Loan Growth (YoY) | 11.87% | 10.56% | 9.07% | 11.14% | 9.89% | 8.77% | 8.56% | 5.24% | -589 bps | |
| Deposit Growth (YoY) | 4.92% | 10.48% | 10.32% | 3.59% | 2.10% | 1.21% | 2.48% | 4.22% | +63 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.04% | 0.01% | 0.11% | 0.05% | 0.04% | 0.03% | 0.04% | -7 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.02% | 0.00% | 0.00% | -0.01% | -0.01% | 0.00% | 0.07% | +7 bps | |
| Allowance / Loans | 0.97% | 0.98% | 0.98% | 0.95% | 0.97% | 0.96% | 0.98% | 0.96% | 0 bps | |
| Allowance Coverage of NPLs | 32.7x | 23.2x | 98.0x | 8.8x | 18.5x | 23.3x | 29.1x | 23.6x | +14.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.12% | 11.20% | 10.91% | 10.97% | 11.41% | 11.42% | 11.15% | 11.29% | +32 bps | |
| Total Risk-Based Capital | 15.85% | 15.66% | 15.96% | 15.71% | 15.79% | 15.77% | 15.86% | 15.97% | +26 bps | |
| Equity / Assets | 11.11% | 10.70% | 10.83% | 11.41% | 11.54% | 11.24% | 11.23% | 11.70% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.21% | 94.25% | 93.68% | 102.24% | 104.63% | 101.29% | 99.23% | 103.24% | +100 bps | |
| Liquid Assets / Assets | 10.77% | 13.43% | 14.10% | 7.44% | 7.20% | 9.25% | 10.50% | 7.15% | -29 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 486% | 495% | 494% | n/a | n/a | |