Staten Island, NY · Cert 57672 · Es Bancshares Inc.
State charter, Fed member · FED · 6 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #95 of 151 inst. · $0.5B 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 | 0.23% | 0.27% | 0.47% | 0.62% | 0.59% | 0.59% | 0.86% | 0.80% | +19 bps | |
| Return on Equity | 2.44% | 2.94% | 4.95% | 6.54% | 6.15% | 6.08% | 8.63% | 7.97% | +143 bps | |
| Net Interest Margin | 2.27% | 2.34% | 2.73% | 2.73% | 2.77% | 2.78% | 3.16% | 3.21% | +48 bps | |
| Efficiency Ratio | 88.54% | 86.45% | 80.31% | 75.16% | 76.24% | 76.26% | 75.88% | 74.62% | -54 bps | |
| Non-Interest Burden | 1.99% | 2.00% | 2.15% | 1.94% | 2.02% | 2.04% | 2.34% | 2.34% | +41 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.46% | -0.31% | 0.47% | -1.02% | -1.92% | -3.15% | 1.93% | -4.24% | -322 bps | |
| Loan Growth (YoY) | 0.39% | -0.80% | 0.18% | -1.36% | -1.24% | -2.61% | -4.78% | -4.69% | -333 bps | |
| Deposit Growth (YoY) | 7.88% | 3.89% | -0.20% | 1.81% | -0.48% | -2.09% | 6.27% | -4.52% | -633 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.93% | 0.96% | 0.95% | 1.12% | 1.07% | 1.05% | 0.90% | 0.91% | -21 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -0.02% | -1 bps | |
| Allowance / Loans | 0.90% | 0.91% | 0.91% | 0.93% | 0.93% | 0.94% | 0.95% | 0.97% | +4 bps | |
| Allowance Coverage of NPLs | 1.0x | 0.9x | 1.0x | 0.8x | 0.9x | 0.9x | 1.1x | 1.1x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.18% | 9.32% | 9.46% | 9.78% | 9.91% | 10.00% | 10.01% | 10.13% | +34 bps | |
| Total Risk-Based Capital | 14.92% | 14.94% | 15.06% | 15.60% | 15.76% | 16.14% | 16.35% | 16.32% | +72 bps | |
| Equity / Assets | 9.30% | 9.34% | 9.47% | 9.47% | 9.98% | 10.21% | 9.82% | 10.15% | +69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 109.94% | 109.08% | 112.86% | 104.05% | 109.11% | 108.50% | 101.13% | 103.86% | -19 bps | |
| Liquid Assets / Assets | 4.68% | 4.74% | 4.29% | 7.56% | 5.14% | 6.66% | 9.50% | 9.97% | +241 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 438% | 431% | 429% | n/a | n/a | |