Astoria, NY · Cert 57807 · Quontic Bank Acquisition Corp.
State savings bank · OCC · 1 branch
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 under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30 to 31). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
10
Asset Quality
27
Profitability
51
Liquidity
79
Efficiency
42
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.
Astoria, NY · Cert 57807 · Quontic Bank Acquisition Corp.
State savings bank · OCC · 1 branch
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #84 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 | 0.07% | 0.34% | 0.57% | 0.37% | 0.42% | 0.56% | 0.36% | 0.37% | -1 bps | |
| Return on Equity | 0.52% | 2.81% | 5.12% | 3.40% | 3.78% | 5.09% | 3.53% | 3.55% | +15 bps | |
| Net Interest Margin | 3.09% | 2.92% | 3.14% | 3.73% | 3.90% | 3.72% | 3.29% | 3.30% | -42 bps | |
| Efficiency Ratio | 98.15% | 92.58% | 84.57% | 88.68% | 88.09% | 86.11% | 89.37% | 89.28% | +60 bps | |
| Non-Interest Burden | 2.92% | 2.42% | 2.21% | 3.03% | 3.13% | 2.84% | 2.73% | 2.73% | -30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.04% | 13.95% | 16.65% | 19.89% | 9.05% | 17.16% | 7.16% | 5.66% | -1,422 bps | |
| Loan Growth (YoY) | 17.48% | 17.19% | 44.50% | 16.84% | 20.54% | 12.36% | -0.72% | 7.63% | -920 bps | |
| Deposit Growth (YoY) | 23.03% | 17.65% | 18.97% | 27.49% | 7.94% | 20.32% | 8.88% | 6.24% | -2,125 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 4.40% | 4.37% | 3.10% | 2.60% | 3.27% | 2.67% | 3.43% | 3.53% | +93 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.06% | 0.04% | 0.03% | 0.00% | 0.00% | -6 bps | |
| Allowance / Loans | 0.12% | 0.14% | 0.15% | 0.17% | 0.17% | 0.19% | 0.20% | 0.20% | +3 bps | |
| Allowance Coverage of NPLs | 0.0x | 0.0x | 0.0x | 0.1x | 0.1x | 0.1x | 0.1x | 0.1x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.60% | 10.96% | 9.89% | 9.87% | 10.65% | 10.56% | 9.53% | 9.73% | -14 bps | |
| Total Risk-Based Capital | 11.60% | 10.96% | 9.89% | 9.87% | 10.65% | 10.56% | 9.53% | 9.73% | -14 bps | |
| Equity / Assets | 12.27% | 11.62% | 10.51% | 11.01% | 11.58% | 10.20% | 10.04% | 10.98% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.14% | 84.69% | 83.85% | 87.39% | 96.19% | 79.09% | 76.46% | 88.54% | +115 bps | |
| Liquid Assets / Assets | 19.78% | 21.63% | 22.18% | 18.45% | 11.21% | 25.76% | 28.00% | 18.22% | -24 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 1.94% | 1.88% | 1.73% | n/a | n/a | |
Astoria, NY · Cert 57807 · Peer group: banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30-31) · Quontic Bank Acquisition Corp.
State savings bank · OCC · 1 branch
Q2 2026
Return on Assets
0.39%
Rank 16 of 31
Net Interest Margin
3.30%
Rank 16 of 31
Efficiency Ratio
89.28%
Rank 19 of 31
Equity / Assets
10.98%
Rank 22 of 31
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.39% | -0.02% | 0.39% | 0.84% | Beats 48% | 16 / 31 | ||
| Return on Equity | 3.52% | -0.19% | 2.57% | 5.72% | Beats 58% | 13 / 31 | ||
| Net Interest Margin | 3.30% | 2.51% | 3.30% | 3.85% | Beats 48% | 16 / 31 | ||
| Efficiency Ratio | 89.28% | 68.41% | 83.66% | 91.76% | Beats 42% | 19 / 31 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.53% | 0.18% | 0.47% | 2.65% | Beats 20% | 25 / 30 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | n/a | 0.02% | Beats 33% | 21 / 30 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.73% | 13.24% | 15.54% | 26.77% | Beats 0% | 31 / 31 | ||
| Total Risk-Based Capital Ratio | 9.73% | 14.07% | 16.32% | 26.77% | Beats 0% | 31 / 31 | ||
| Equity / Assets | 10.98% | 10.38% | 13.26% | 17.83% | Beats 29% | 22 / 31 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 88.54% | 84.03% | 94.98% | 103.65% | 32nd pctl | 21 / 31 | ||
| Loans / Assets | 78.07% | 61.61% | 75.31% | 83.78% | 55th pctl | 14 / 31 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||