Connectone Bank

Englewood Cliffs, NJ · Cert 57919 · Peer group: banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=15) · Connectone Bcorp Inc.

State charter, non-member · FDIC · 57 branches

Q2 2026

$14.4BAssets

$11.9BLoans

$11.8BDeposits

$1.8BEquity

Executive Summary

Strongest standing: net interest margin outperforms 87% of banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 2 of 15).
Widest gap: net charge-offs / loans trails 93% of banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 15 of 15).
Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.22%

Rank 3 of 15

Net Interest Margin

3.30%

Rank 2 of 15

Efficiency Ratio

46.07%

Rank 3 of 15

Equity / Assets

12.26%

Rank 5 of 15

Non-interest income vs. expense

Unfavorable gap of $197.2M · efficiency ratio beats 87% of banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	1.22%	0.74%	0.98%	1.14%	Beats 80%	3 / 15
Return on Equity	9.98%	5.21%	8.81%	10.53%	Beats 67%	5 / 15
Net Interest Margin	3.30%	1.76%	2.56%	3.09%	Beats 87%	2 / 15
Efficiency Ratio	46.07%	49.33%	55.36%	65.80%	Beats 87%	3 / 15
Asset Quality
Nonperforming Loans / Loans	0.68%	0.39%	0.66%	0.92%	Beats 47%	9 / 15
Net Charge-Offs / Loans	0.24%	0.01%	0.03%	0.10%	Beats 7%	15 / 15
Capital
Tier 1 Capital Ratio	12.31%	12.31%	14.32%	17.39%	Beats 20%	12 / 15
Total Risk-Based Capital Ratio	13.20%	13.34%	14.76%	19.29%	Beats 13%	13 / 15
Equity / Assets	12.26%	8.06%	10.22%	12.59%	Beats 67%	5 / 15
Liquidity & Funding
Loans / Deposits	100.62%	52.62%	85.61%	96.57%	87th pctl	2 / 15
Loans / Assets	82.41%	32.81%	69.81%	78.17%	93rd pctl	1 / 15
Brokered Deposits / Deposits	n/a	Not reported for this institution