PackageTrendsPeer
Letter portraitLegal landscape

Lusitania Savings Bank

Newark, NJ · Cert 34058 · Peer group: banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30-31) · Lusitania Financial MHC

SI · FDIC · 4 branches

Q2 2026

$418.1MAssets
$228.7MLoans
$353.5MDeposits
$60.0MEquity

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: net interest margin trails 90% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 28 of 31).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

0.47%

Rank 12 of 31

Net Interest Margin

2.25%

Rank 28 of 31

Efficiency Ratio

72.59%

Rank 9 of 31

Equity / Assets

14.36%

Rank 12 of 31

Non-interest income vs. expense

$0.7M$7.3MINCOMEEXPENSE
Unfavorable gap of $6.6M · efficiency ratio beats 74% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 72.59%Peer median 83.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.47%-0.02%0.39%0.84%Beats 61%12 / 31
Return on Equity3.26%-0.19%2.57%5.72%Beats 55%14 / 31
Net Interest Margin2.25%2.51%3.30%3.85%Beats 10%28 / 31
Efficiency Ratio72.59%68.41%83.66%91.76%Beats 74%9 / 31
Asset Quality
Nonperforming Loans / Loans0.19%0.18%0.47%2.65%Beats 70%10 / 30
Net Charge-Offs / Loans0.00%n/an/a0.02%Beats 100%17 / 30
Capital
Tier 1 Capital Ratio34.73%13.24%15.54%26.77%Beats 84%5 / 31
Total Risk-Based Capital Ratio35.99%14.07%16.32%26.77%Beats 84%5 / 31
Equity / Assets14.36%10.38%13.26%17.83%Beats 61%12 / 31
Liquidity & Funding
Loans / Deposits64.70%84.03%94.98%103.65%13th pctl27 / 31
Loans / Assets54.71%61.61%75.31%83.78%13th pctl27 / 31
Brokered Deposits / Depositsn/aNot reported for this institution