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 | |