Glen Cove, NY · Cert 34969
SI · FDIC · 10 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #78 of 151 inst. · $0.9B 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 | 0.37% | 0.82% | 0.73% | 0.64% | 1.13% | 1.07% | 1.03% | 0.93% | +29 bps | |
| Return on Equity | 4.23% | 9.17% | 8.07% | 6.96% | 12.03% | 11.04% | 10.32% | 9.35% | +239 bps | |
| Net Interest Margin | 2.74% | 2.82% | 3.00% | 3.21% | 3.24% | 3.20% | 3.38% | 3.52% | +32 bps | |
| Efficiency Ratio | 77.06% | 74.21% | 74.90% | 67.84% | 64.57% | 61.90% | 67.88% | 68.90% | +106 bps | |
| Non-Interest Burden | 1.95% | 1.79% | 2.04% | 1.88% | 1.74% | 1.46% | 2.01% | 2.21% | +33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.60% | 0.14% | 2.21% | 0.08% | 0.49% | 0.54% | -2.39% | 3.92% | +384 bps | |
| Loan Growth (YoY) | 7.32% | 2.12% | 5.64% | 1.95% | -1.06% | -0.70% | -2.61% | 2.36% | +41 bps | |
| Deposit Growth (YoY) | 2.30% | 1.54% | 0.64% | -1.68% | 0.34% | 0.37% | -3.44% | 3.72% | +541 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.55% | 1.37% | 1.80% | 1.00% | 0.96% | 1.73% | 1.25% | 1.19% | +18 bps | |
| Net Charge-Offs / Loans | 0.35% | -0.02% | -0.04% | 0.52% | 0.00% | 1.51% | -0.01% | -0.01% | -53 bps | |
| Allowance / Loans | 1.01% | 1.03% | 1.03% | 1.05% | 1.07% | 0.85% | 0.87% | 0.88% | -17 bps | |
| Allowance Coverage of NPLs | 1.8x | 0.8x | 0.6x | 1.0x | 1.1x | 0.5x | 0.7x | 0.7x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.26% | 9.36% | 9.62% | 9.64% | 9.86% | 9.86% | 10.31% | 10.30% | +66 bps | |
| Total Risk-Based Capital | 14.45% | 14.67% | 14.63% | 15.11% | 15.39% | 15.56% | 15.75% | 15.47% | +36 bps | |
| Equity / Assets | 8.89% | 9.05% | 9.14% | 9.27% | 9.55% | 9.79% | 10.15% | 9.70% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.91% | 102.34% | 103.20% | 101.91% | 101.48% | 101.24% | 104.09% | 100.57% | -134 bps | |
| Liquid Assets / Assets | 3.55% | 4.59% | 3.26% | 4.61% | 5.42% | 5.81% | 3.40% | 5.68% | +108 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 326% | 322% | 320% | n/a | n/a | |