Miami, FL · Cert 57083 · New York Private B&T Corp.
State charter, non-member · FDIC · 7 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35 to 36). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
73
Asset Quality
7
Profitability
35
Liquidity
99
Efficiency
14
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Miami, FL · Cert 57083 · New York Private B&T Corp.
State charter, non-member · FDIC · 1 affiliate bank · 7 branches (8 in holding)
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.1% share · #42 of 151 inst. · $4.2B 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 | 1.32% | 0.71% | -0.43% | 0.31%1 | 1.54% | 1.35% | 0.50% | 0.60% | +28 bps | |
| Return on Equity | 5.69% | 3.22% | -2.32% | 1.64% | 7.92% | 6.82% | 2.38% | 2.83% | +119 bps | |
| Net Interest Margin | 3.90% | 3.91% | 3.37% | 3.59% | 3.81% | 3.74% | 3.95% | 3.91% | +32 bps | |
| Efficiency Ratio | 72.28% | 79.83% | 110.17% | 99.95% | 70.89% | 70.85% | 89.54% | 79.91% | -2,004 bps | |
| Non-Interest Burden | 2.39% | 2.80% | 3.69% | 3.52% | 1.84% | 1.69% | 3.40% | 2.70% | -82 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12986% | -0.62% | -4.60% | -7.61% | -7.33% | -7.03% | -1.67% | -1.70% | +591 bps | |
| Loan Growth (YoY) | 17021% | -8.29% | -11.49% | -11.13% | -8.50% | -4.70% | -3.93% | -3.77% | +736 bps | |
| Deposit Growth (YoY) | 13890% | 3.61% | -1.44% | -4.03% | -4.72% | -11.39% | -4.83% | -5.29% | -127 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 4.98% | 5.91% | 4.99% | 5.14% | 4.76% | 4.49% | 4.22% | 4.77% | -37 bps | |
| Net Charge-Offs / Loans | -0.07% | 0.50% | 0.94% | 0.46% | 0.49% | 0.37% | 1.27% | 0.68% | +21 bps | |
| Allowance / Loans | 1.59% | 1.76% | 2.05% | 2.13% | 2.05% | 2.09% | 1.84% | 1.98% | -16 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.3x | 0.4x | 0.4x | 0.4x | 0.5x | 0.4x | 0.4x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 22.68% | 17.06% | 17.52% | 18.60% | 19.90% | 19.96% | 19.17% | 20.30% | +170 bps | |
| Total Risk-Based Capital | 22.67% | 17.72% | 17.67% | 17.65% | 18.81% | 18.76% | 19.15% | 18.68% | +102 bps | |
| Equity / Assets | 23.61% | 18.27% | 18.98% | 19.84% | 20.80% | 20.92% | 20.77% | 21.37% | +152 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.81% | 88.37% | 90.20% | 93.62% | 93.93% | 95.05% | 91.05% | 95.13% | +151 bps | |
| Liquid Assets / Assets | 9.02% | 11.16% | 11.39% | 8.54% | 11.14% | 9.06% | 12.01% | 8.63% | +10 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 124.36% | 118.16% | 104.89% | n/a | n/a | |
Miami, FL · Cert 57083 · Peer group: banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35-36) · New York Private B&T Corp.
State charter, non-member · FDIC · 1 affiliate bank · 7 branches (8 in holding)
Q2 2026
Return on Assets
0.60%
Rank 30 of 36
Net Interest Margin
3.91%
Rank 8 of 36
Efficiency Ratio
79.91%
Rank 31 of 35
Equity / Assets
21.37%
Rank 2 of 36
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.60% | 0.65% | 1.00% | 1.72% | Beats 17% | 30 / 36 | ||
| Return on Equity | 2.83% | 5.35% | 9.30% | 13.56% | Beats 11% | 31 / 35 | ||
| Net Interest Margin | 3.91% | 2.66% | 3.13% | 3.63% | Beats 78% | 8 / 36 | ||
| Efficiency Ratio | 79.91% | 52.19% | 63.09% | 75.14% | Beats 14% | 31 / 35 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 4.77% | 0.46% | 0.84% | 1.59% | Beats 3% | 36 / 36 | ||
| Net Charge-Offs / Loans | 0.35% | n/a | 0.03% | 0.14% | Beats 11% | 33 / 36 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.43% | 13.13% | 14.78% | 18.34% | Beats 61% | 14 / 36 | ||
| Total Risk-Based Capital Ratio | 18.68% | 13.73% | 15.96% | 19.27% | Beats 64% | 13 / 36 | ||
| Equity / Assets | 21.37% | 9.80% | 11.58% | 14.82% | Beats 94% | 2 / 36 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 95.13% | 81.12% | 95.13% | 103.24% | 50th pctl | 18 / 36 | ||
| Loans / Assets | 70.09% | 67.44% | 76.31% | 84.79% | 33rd pctl | 24 / 36 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||