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Abacus Federal Savings Bank

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

$320.7MAssets
$244.9MLoans
$257.9MDeposits
$57.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 17 of 30).
  • Widest gap: efficiency ratio trails 74% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 24 of 31).
  • Overall: at or above the peer median on 6 of 9 directional measures.

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

Non-interest income vs. expense

$1.4M$13.7MINCOMEEXPENSE
Unfavorable gap of $12.3M · efficiency ratio beats 26% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 91.76%Peer median 83.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.26%-0.02%0.39%0.84%Beats 39%19 / 31
Return on Equity1.48%-0.19%2.57%5.72%Beats 35%20 / 31
Net Interest Margin4.24%2.51%3.30%3.85%Beats 90%3 / 31
Efficiency Ratio91.76%68.41%83.66%91.76%Beats 26%24 / 31
Asset Quality
Nonperforming Loans / Loans0.47%0.18%0.47%2.65%Beats 50%16 / 30
Net Charge-Offs / Loans0.00%n/an/a0.02%Beats 100%17 / 30
Capital
Tier 1 Capital Ratio33.96%13.24%15.54%26.77%Beats 81%6 / 31
Total Risk-Based Capital Ratio35.26%14.07%16.32%26.77%Beats 81%6 / 31
Equity / Assets17.83%10.38%13.26%17.83%Beats 74%8 / 31
Liquidity & Funding
Loans / Deposits94.98%84.03%94.98%103.65%48th pctl16 / 31
Loans / Assets76.37%61.61%75.31%83.78%52nd pctl15 / 31
Brokered Deposits / Depositsn/aNot reported for this institution