Hicksville, NY · Cert 32541
National charter · OCC · 345 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 1.3% share · #11 of 151 inst. · $39.1B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.26% | -0.22% | -0.14% | 0.10% | 0.13% | +39 bps | |
| Return on Equity | -2.98% | -2.47% | -1.52% | 1.03% | 1.36% | +434 bps | |
| Net Interest Margin | 1.78% | 1.89% | 1.95% | 2.02% | 2.02% | +24 bps | |
| Efficiency Ratio | 95.36% | 94.94% | 93.16% | 87.17% | 85.21% | -1,015 bps | |
| Non-Interest Burden | 1.79% | 1.89% | 1.91% | 1.84% | 1.78% | -1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -22.54% | -19.87% | -12.58% | -10.70% | -4.84% | +1,770 bps | |
| Loan Growth (YoY) | -21.79% | -13.94% | -11.82% | -9.63% | -5.04% | +1,676 bps | |
| Deposit Growth (YoY) | -11.84% | -16.74% | -13.67% | -10.22% | -3.88% | +796 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 5.27% | 5.49% | 5.27% | 4.78% | 4.97% | -30 bps | |
| Net Charge-Offs / Loans | 0.72% | 0.64% | 0.58% | 0.51% | 0.58% | -14 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.11% | 9.58% | 9.22% | 9.61% | 9.70% | +59 bps | |
| Total Risk-Based Capital | 15.15% | 15.31% | 16.23% | 16.68% | 16.58% | +144 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Deposits | 91.73% | 90.76% | 92.42% | 90.76% | 90.63% | -110 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |