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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.37% | 0.42% | 0.56% | 0.36% | 0.37% | -1 bps | |
| Return on Equity | 3.40% | 3.78% | 5.09% | 3.53% | 3.55% | +15 bps | |
| Net Interest Margin | 3.73% | 3.90% | 3.72% | 3.29% | 3.30% | -42 bps | |
| Efficiency Ratio | 88.68% | 88.09% | 86.11% | 89.37% | 89.28% | +60 bps | |
| Non-Interest Burden | 3.03% | 3.13% | 2.84% | 2.73% | 2.73% | -30 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 19.89% | 9.05% | 17.16% | 7.16% | 5.66% | -1,422 bps | |
| Loan Growth (YoY) | 16.84% | 20.54% | 12.36% | -0.72% | 7.63% | -920 bps | |
| Deposit Growth (YoY) | 27.49% | 7.94% | 20.32% | 8.88% | 6.24% | -2,125 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.60% | 3.27% | 2.67% | 3.43% | 3.53% | +93 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.04% | 0.03% | 0.00% | 0.00% | -6 bps | |
| Allowance / Loans | 0.17% | 0.17% | 0.19% | 0.20% | 0.20% | +3 bps | |
| Allowance Coverage of NPLs | 0.1x | 0.1x | 0.1x | 0.1x | 0.1x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.87% | 10.65% | 10.56% | 9.53% | 9.73% | -14 bps | |
| Total Risk-Based Capital | 9.87% | 10.65% | 10.56% | 9.53% | 9.73% | -14 bps | |
| Equity / Assets | 11.01% | 11.58% | 10.20% | 10.04% | 10.98% | -3 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.39% | 96.19% | 79.09% | 76.46% | 88.54% | +115 bps | |
| Liquid Assets / Assets | 18.45% | 11.21% | 25.76% | 28.00% | 18.22% | -24 bps | |
| CRE / Total Capital | n/a | 1.94% | 1.88% | 1.73% | n/a | n/a | |