Fort Lee, NJ · Cert 35151 · NMB Financial Corp.
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #85 of 151 inst. · $0.7B 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 | 0.94% | 0.94% | 0.92% | 1.05% | 1.13% | 1.17% | 1.19% | 1.31% | +26 bps | |
| Return on Equity | 7.55% | 7.63% | 7.52% | 8.49% | 9.03% | 9.24% | 8.83% | 9.47% | +99 bps | |
| Net Interest Margin | 3.07% | 3.00% | 3.07% | 3.28% | 3.30% | 3.29% | 3.16% | 3.46% | +18 bps | |
| Efficiency Ratio | 56.53% | 56.21% | 60.61% | 57.65% | 54.75% | 52.03% | 51.23% | 49.48% | -816 bps | |
| Non-Interest Burden | 1.57% | 1.54% | 1.74% | 1.76% | 1.67% | 1.58% | 1.42% | 1.53% | -23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.76% | 16.57% | 12.20% | 8.95% | 3.72% | 4.30% | 0.08% | -4.24% | -1,319 bps | |
| Loan Growth (YoY) | 17.35% | 13.69% | 11.25% | 10.80% | 5.58% | 2.06% | -0.58% | -5.24% | -1,604 bps | |
| Deposit Growth (YoY) | 17.93% | 17.63% | 12.46% | 6.70% | 2.14% | 3.40% | -1.50% | -4.60% | -1,130 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.36% | 0.35% | 0.32% | 0.49% | 0.46% | 0.57% | 0.48% | 0.58% | +9 bps | |
| Net Charge-Offs / Loans | 0.13% | 0.10% | -0.05% | -0.08% | -0.05% | 0.05% | -0.04% | -0.06% | +2 bps | |
| Allowance / Loans | 1.24% | 1.29% | 1.28% | 1.26% | 1.31% | 1.35% | 1.39% | 1.43% | +17 bps | |
| Allowance Coverage of NPLs | 3.4x | 3.7x | 3.9x | 2.6x | 2.8x | 2.3x | 2.9x | 2.4x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.49% | 12.48% | 12.43% | 13.06% | 13.07% | 13.20% | 13.38% | 14.57% | +152 bps | |
| Total Risk-Based Capital | 19.34% | 19.60% | 19.57% | 19.85% | 20.85% | 21.38% | 21.81% | 22.59% | +274 bps | |
| Equity / Assets | 12.14% | 12.22% | 12.37% | 12.60% | 13.08% | 13.09% | 13.82% | 14.61% | +201 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.24% | 98.42% | 99.65% | 103.52% | 102.58% | 97.14% | 100.59% | 102.83% | -69 bps | |
| Liquid Assets / Assets | 12.44% | 12.76% | 12.44% | 10.90% | 11.03% | 15.07% | 13.15% | 11.92% | +102 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 323% | 329% | 323% | n/a | n/a | |