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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.49% | 0.31% | 0.18% | 0.24% | 0.29% | -19 bps | |
| Return on Equity | 2.83% | 1.81% | 1.02% | 1.34% | 1.63% | -119 bps | |
| Net Interest Margin | 4.27% | 4.11% | 4.26% | 4.24% | 4.32% | +5 bps | |
| Efficiency Ratio | 85.43% | 92.33% | 92.42% | 92.06% | 91.49% | +606 bps | |
| Non-Interest Burden | 3.51% | 3.71% | 3.82% | 3.81% | 3.84% | +34 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.62% | 2.87% | -1.14% | -1.90% | -2.18% | -281 bps | |
| Loan Growth (YoY) | -4.48% | -5.03% | -1.94% | -2.41% | -1.86% | +262 bps | |
| Deposit Growth (YoY) | 0.14% | 2.74% | -1.42% | -2.27% | -2.86% | -300 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 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 bps | |
| Allowance / Loans | 1.20% | 1.17% | 1.15% | 1.17% | 1.19% | -1 bps | |
| Allowance Coverage of NPLs | 2.0x | 1.6x | 2.5x | 1.9x | 2.5x | +0.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 15.86% | 15.93% | 15.88% | 16.47% | 16.32% | +46 bps | |
| Total Risk-Based Capital | 34.14% | 34.70% | 33.75% | 34.77% | 35.26% | +112 bps | |
| Equity / Assets | 17.19% | 17.18% | 17.96% | 17.84% | 17.83% | +64 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.01% | 93.09% | 99.71% | 96.49% | 94.98% | +97 bps | |
| Liquid Assets / Assets | 18.89% | 19.38% | 14.88% | 17.52% | 18.85% | -5 bps | |
| CRE / Total Capital | n/a | 72.03% | 80.30% | 77.79% | n/a | n/a | |