Elizabeth, NJ · Cert 34259
State charter, non-member · FDIC · 13 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #103 of 151 inst. · $0.4B 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 | 2.43% | 3.22% | 2.96% | 2.77% | 3.19% | 2.81% | 1.87% | 2.15% | -62 bps | |
| Return on Equity | 10.29% | 13.32% | 12.39% | 11.62% | 12.93% | 10.95% | 7.29% | 8.27% | -335 bps | |
| Net Interest Margin | 4.70% | 4.58% | 4.82% | 5.00% | 5.81% | 4.30% | 4.35% | 4.59% | -41 bps | |
| Efficiency Ratio | 40.85% | 39.58% | 36.35% | 35.63% | 33.95% | 41.13% | 47.12% | 42.78% | +715 bps | |
| Non-Interest Burden | 1.65% | 1.25% | 1.12% | 1.42% | 1.69% | 0.84% | 1.87% | 1.69% | +26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.41% | 5.77% | 6.48% | 4.39% | 4.05% | -0.51% | -2.72% | -6.93% | -1,132 bps | |
| Loan Growth (YoY) | 9.70% | 2.32% | -1.00% | -1.44% | -2.65% | -3.51% | -2.54% | 0.55% | +199 bps | |
| Deposit Growth (YoY) | 8.36% | 7.60% | 21.80% | 17.43% | 9.11% | -0.47% | -5.35% | -10.45% | -2,788 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 10.18% | 9.07% | 9.13% | 8.67% | 8.04% | 8.14% | 6.06% | 5.77% | -290 bps | |
| Net Charge-Offs / Loans | -0.09% | -0.43% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.90% | 0.77% | 0.78% | 0.78% | 0.82% | 0.81% | 0.87% | 0.88% | +10 bps | |
| Allowance Coverage of NPLs | 0.1x | 0.1x | 0.1x | 0.1x | 0.1x | 0.1x | 0.1x | 0.2x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 24.04% | 24.66% | 23.76% | 24.09% | 24.86% | 25.07% | 25.26% | 26.11% | +202 bps | |
| Total Risk-Based Capital | 24.04% | 24.66% | 23.76% | 24.09% | 24.86% | 25.07% | 25.26% | 26.11% | +202 bps | |
| Equity / Assets | 24.15% | 24.15% | 23.57% | 24.05% | 25.32% | 25.95% | 25.31% | 26.71% | +266 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 126.38% | 119.34% | 107.26% | 109.04% | 112.76% | 115.70% | 110.45% | 122.44% | +1,339 bps | |
| Liquid Assets / Assets | 5.28% | 6.61% | 11.58% | 12.25% | 9.99% | 9.56% | 11.73% | 4.36% | -789 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 302% | 300% | 298% | n/a | n/a | |