New York, NY · Cert 35377 · Helios Bcorp Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #119 of 151 inst. · $0.2B 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 | 1.63% | 1.32% | 0.09% | 0.11% | 0.09% | 0.15% | 0.56% | 0.68% | +58 bps | |
| Return on Equity | 9.30% | 7.63% | 0.59% | 0.66% | 0.58% | 0.94% | 3.67% | 4.57% | +391 bps | |
| Net Interest Margin | 5.26% | 4.86% | 3.34% | 3.75% | 3.78% | 3.75% | 4.12% | 4.20% | +45 bps | |
| Efficiency Ratio | 59.46% | 59.07% | 92.62% | 90.92% | 89.68% | 87.61% | 76.11% | 71.94% | -1,898 bps | |
| Non-Interest Burden | 3.06% | 2.69% | 3.18% | 3.49% | 3.47% | 3.37% | 3.17% | 3.04% | -45 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -18.08% | 2.79% | 5.84% | 3.03% | 13.47% | 10.69% | 4.34% | 18.81% | +1,578 bps | |
| Loan Growth (YoY) | -14.66% | 3.51% | 30.27% | 92.76% | 119.47% | 73.70% | 75.96% | 67.28% | -2,548 bps | |
| Deposit Growth (YoY) | -7.20% | 3.99% | 8.30% | 2.61% | 16.86% | 13.07% | 5.07% | 23.80% | +2,119 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 1.85% | 1.46% | 1.41% | 1.37% | 1.30% | 1.37% | 1.22% | 1.24% | -12 bps | |
| 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 | 16.35% | 16.49% | 14.35% | 15.48% | 15.55% | 15.06% | 14.59% | 13.74% | -174 bps | |
| Total Risk-Based Capital | 57.81% | 46.78% | 42.08% | 36.82% | 31.21% | 30.07% | 25.94% | 23.45% | -1,337 bps | |
| Equity / Assets | 18.15% | 16.62% | 15.51% | 16.81% | 16.35% | 15.33% | 15.27% | 14.27% | -255 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 32.37% | 37.53% | 39.83% | 50.58% | 60.80% | 57.65% | 66.70% | 68.35% | +1,777 bps | |
| Liquid Assets / Assets | 70.08% | 66.18% | 63.80% | 54.31% | 45.68% | 48.10% | 40.47% | 38.69% | -1,562 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 280% | 287% | 335% | n/a | n/a | |