New York, NY · Cert 57834 · New York Private B&T Corp.
State charter, non-member · FDIC · 1 affiliate bank · 1 branch (8 in holding)
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #143 of 151 inst. · $0.0B 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 | 1.20% | 0.95% | 0.74% | -0.23% | 0.29% | -92 bps | |
| Return on Equity | 1.41% | 1.12% | 0.87% | -0.27% | 0.34% | -108 bps | |
| Net Interest Margin | 3.91% | 3.93% | 3.84% | 3.21% | 3.21% | -70 bps | |
| Efficiency Ratio | 57.35% | 66.02% | 73.13% | 107.14% | 89.29% | +3,193 bps | |
| Non-Interest Burden | 2.25% | 2.60% | 2.81% | 3.44% | 2.87% | +62 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.46% | -0.14% | 0.00% | 0.26% | -0.26% | -72 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 85.72% | 85.40% | 85.47% | 85.42% | 85.67% | -6 bps | |
| Total Risk-Based Capital | 427% | 428% | 429% | 428% | 429% | +143 bps | |
| Equity / Assets | 85.13% | 85.37% | 85.45% | 85.42% | 85.64% | +51 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 98.97% | 99.14% | 99.31% | 99.66% | 99.74% | +77 bps | |
| CRE / Total Capital | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |