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 | |