New York, NY · Cert 34056
FDIC
Q2 2026
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 | 6.47% | 5.45% | 7.13% | 4.64% | 5.69% | 8.59% | 7.77% | 7.63% | +299 bps | |
| Return on Equity | 7.00% | 5.92% | 7.80% | 5.11% | 6.24% | 9.45% | 8.52% | 8.36% | +324 bps | |
| Net Interest Margin | 3.56% | 3.67% | 5.22% | 4.68% | 4.60% | 4.31% | 4.11% | 4.12% | -56 bps | |
| Efficiency Ratio | 66.10% | 71.71% | 66.46% | 77.83% | 72.29% | 57.83% | 63.74% | 62.98% | -1,485 bps | |
| Non-Interest Burden | -4.96% | -3.36% | -4.22% | -1.49% | -2.93% | -6.63% | -6.14% | -6.06% | -458 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.18% | 4.08% | 4.64% | 6.08% | 2.51% | 3.59% | 2.73% | 2.33% | -375 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 93.44% | 89.58% | 91.62% | 91.38% | 92.71% | 87.35% | 91.21% | 93.32% | +194 bps | |
| Total Risk-Based Capital | 93.44% | 89.58% | 91.62% | 91.38% | 92.71% | 87.35% | 91.21% | 93.32% | +194 bps | |
| Equity / Assets | 92.45% | 90.83% | 91.98% | 89.56% | 92.14% | 90.29% | 92.30% | 91.49% | +193 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 64.20% | 70.64% | 81.79% | 87.12% | 91.65% | 95.71% | 95.86% | 95.80% | +868 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |