Purchase, NY · Cert 34221 · Morgan Stanley
National charter · OCC · 1 affiliate bank · 1 branch (2 in holding)
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 7.2% share · #4 of 151 inst. · $211.7B of $2921.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.97% | 0.96% | 1.02% | 1.07% | 1.11% | 1.20% | 1.19% | 1.11% | +3 bps | |
| Return on Equity | 11.75% | 11.97% | 13.05% | 14.06% | 14.87% | 16.58% | 16.40% | 15.40% | +134 bps | |
| Net Interest Margin | 1.56% | 1.65% | 1.70% | 1.70% | 1.69% | 1.79% | 1.74% | 1.74% | +4 bps | |
| Efficiency Ratio | 25.54% | 25.59% | 24.67% | 22.63% | 23.14% | 22.30% | 23.09% | 26.48% | +385 bps | |
| Non-Interest Burden | 0.24% | 0.26% | 0.25% | 0.20% | 0.20% | 0.21% | 0.21% | 0.28% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.89% | 8.85% | 10.33% | 13.23% | 14.26% | 15.09% | 7.87% | 6.55% | -668 bps | |
| Loan Growth (YoY) | 7.60% | 9.84% | 11.30% | 12.95% | 12.92% | 18.81% | 18.88% | 19.86% | +691 bps | |
| Deposit Growth (YoY) | 5.71% | 7.49% | 10.48% | 12.67% | 12.31% | 11.74% | 1.10% | -0.37% | -1,304 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.27% | 0.33% | 0.31% | 0.32% | 0.28% | 0.25% | 0.21% | 0.20% | -12 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.07% | 0.00% | 0.00% | 0.04% | 0.00% | 0.02% | 0.00% | 0 bps | |
| 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 | 8.26% | 7.72% | 7.88% | 7.52% | 7.58% | 6.99% | 7.04% | 6.65% | -87 bps | |
| Total Risk-Based Capital | 27.81% | 26.62% | 27.04% | 26.37% | 27.44% | 26.61% | 27.68% | 25.58% | -79 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.01% | 73.68% | 73.68% | 73.54% | 75.42% | 78.34% | 86.64% | 88.47% | +1,493 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 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 | n/a | n/a | n/a |