Newark, NJ · Cert 34058 · Lusitania Financial MHC
SI · FDIC · 4 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #107 of 151 inst. · $0.4B 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 | 0.24% | 0.21% | 0.32% | 0.35% | 0.42% | 0.37% | 0.48% | 0.48% | +12 bps | |
| Return on Equity | 1.66% | 1.45% | 2.19% | 2.39% | 2.81% | 2.49% | 3.27% | 3.29% | +90 bps | |
| Net Interest Margin | 1.77% | 1.81% | 1.95% | 2.01% | 2.11% | 2.11% | 2.25% | 2.25% | +25 bps | |
| Efficiency Ratio | 82.17% | 84.53% | 78.24% | 77.26% | 74.30% | 77.40% | 72.42% | 72.59% | -468 bps | |
| Non-Interest Burden | 1.44% | 1.52% | 1.50% | 1.53% | 1.54% | 1.61% | 1.60% | 1.60% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.44% | -0.44% | 1.87% | 1.38% | 2.51% | 5.81% | 5.37% | 6.04% | +466 bps | |
| Loan Growth (YoY) | 22.55% | 13.70% | 10.88% | 1.60% | 0.67% | -1.23% | -0.99% | 1.53% | -7 bps | |
| Deposit Growth (YoY) | -0.75% | 0.75% | 3.16% | 5.55% | 3.99% | 5.96% | 5.69% | 6.70% | +115 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.47% | 0.42% | 0.41% | 0.17% | 0.19% | 0.19% | 0.19% | 0.19% | +1 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 | 1.06% | 1.11% | 1.13% | 1.15% | 1.11% | 1.17% | 1.18% | 1.16% | +1 bps | |
| Allowance Coverage of NPLs | 2.3x | 2.6x | 2.7x | 6.6x | 5.8x | 6.2x | 6.2x | 6.3x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.35% | 15.52% | 15.50% | 15.30% | 15.39% | 15.22% | 15.05% | 14.97% | -34 bps | |
| Total Risk-Based Capital | 33.79% | 34.06% | 33.90% | 33.91% | 35.12% | 36.39% | 36.39% | 35.99% | +207 bps | |
| Equity / Assets | 14.86% | 14.87% | 14.72% | 14.70% | 14.91% | 14.67% | 14.50% | 14.36% | -34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.68% | 71.17% | 69.41% | 67.99% | 69.39% | 66.34% | 65.02% | 64.70% | -329 bps | |
| Liquid Assets / Assets | 28.47% | 28.17% | 29.90% | 31.31% | 30.03% | 32.85% | 33.86% | 33.26% | +195 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 36.20% | 35.38% | 34.09% | n/a | n/a | |