New York, NY · Cert 32257
State savings bank · OCC · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30 to 31). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
79
Asset Quality
75
Profitability
55
Liquidity
100
Efficiency
26
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
New York, NY · Cert 32257
State savings bank · OCC · 5 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #116 of 151 inst. · $0.2B 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 | 0.50% | 0.63% | 0.47% | 0.48% | 0.42% | 0.36% | 0.24% | 0.27% | -21 bps | |
| Return on Equity | 3.02% | 3.75% | 2.74% | 2.78% | 2.46% | 2.10% | 1.34% | 1.48% | -130 bps | |
| Net Interest Margin | 4.19% | 4.35% | 4.17% | 4.19% | 4.15% | 4.20% | 4.24% | 4.24% | +6 bps | |
| Efficiency Ratio | 84.52% | 82.18% | 85.11% | 85.27% | 87.57% | 88.83% | 92.06% | 91.76% | +649 bps | |
| Non-Interest Burden | 3.42% | 3.41% | 3.43% | 3.44% | 3.52% | 3.61% | 3.81% | 3.80% | +35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.86% | -0.82% | -0.54% | 0.62% | 2.87% | -1.14% | -1.90% | -2.18% | -281 bps | |
| Loan Growth (YoY) | 1.95% | 1.41% | -2.69% | -4.48% | -5.03% | -1.94% | -2.41% | -1.86% | +262 bps | |
| Deposit Growth (YoY) | -2.75% | -2.96% | -2.71% | 0.14% | 2.74% | -1.42% | -2.27% | -2.86% | -300 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.56% | 0.68% | 0.45% | 0.61% | 0.75% | 0.46% | 0.61% | 0.47% | -14 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.14% | 1.16% | 1.17% | 1.20% | 1.17% | 1.15% | 1.17% | 1.19% | -1 bps | |
| Allowance Coverage of NPLs | 2.0x | 1.7x | 2.6x | 2.0x | 1.6x | 2.5x | 1.9x | 2.5x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.53% | 15.84% | 15.91% | 15.86% | 15.93% | 15.88% | 16.47% | 16.32% | +46 bps | |
| Total Risk-Based Capital | 31.80% | 32.11% | 33.19% | 34.14% | 34.70% | 33.75% | 34.77% | 35.26% | +112 bps | |
| Equity / Assets | 17.09% | 17.39% | 17.20% | 17.19% | 17.18% | 17.96% | 17.84% | 17.83% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.71% | 100.24% | 96.63% | 94.01% | 93.09% | 99.71% | 96.49% | 94.98% | +97 bps | |
| Liquid Assets / Assets | 13.24% | 14.01% | 16.83% | 18.89% | 19.38% | 14.88% | 17.52% | 18.85% | -5 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 72.03% | 80.30% | 77.79% | n/a | n/a | |
New York, NY · Cert 32257 · Peer group: banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30-31)
State savings bank · OCC · 5 branches
Q2 2026
Return on Assets
0.26%
Rank 19 of 31
Net Interest Margin
4.24%
Rank 3 of 31
Efficiency Ratio
91.76%
Rank 24 of 31
Equity / Assets
17.83%
Rank 8 of 31
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.26% | -0.02% | 0.39% | 0.84% | Beats 39% | 19 / 31 | ||
| Return on Equity | 1.48% | -0.19% | 2.57% | 5.72% | Beats 35% | 20 / 31 | ||
| Net Interest Margin | 4.24% | 2.51% | 3.30% | 3.85% | Beats 90% | 3 / 31 | ||
| Efficiency Ratio | 91.76% | 68.41% | 83.66% | 91.76% | Beats 26% | 24 / 31 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.47% | 0.18% | 0.47% | 2.65% | Beats 50% | 16 / 30 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | n/a | 0.02% | Beats 100% | 17 / 30 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 33.96% | 13.24% | 15.54% | 26.77% | Beats 81% | 6 / 31 | ||
| Total Risk-Based Capital Ratio | 35.26% | 14.07% | 16.32% | 26.77% | Beats 81% | 6 / 31 | ||
| Equity / Assets | 17.83% | 10.38% | 13.26% | 17.83% | Beats 74% | 8 / 31 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 94.98% | 84.03% | 94.98% | 103.65% | 48th pctl | 16 / 31 | ||
| Loans / Assets | 76.37% | 61.61% | 75.31% | 83.78% | 52nd pctl | 15 / 31 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||