Englewood Cliffs, NJ · Cert 57919 · Connectone Bcorp Inc.
State charter, non-member · FDIC · 57 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.4% share · #27 of 151 inst. · $11.3B of $2921.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.76% | 0.89% | 0.87% | -0.58% | 1.30% | 1.28% | 1.19% | 1.29% | +187 bps | |
| Return on Equity | 5.82% | 6.81% | 6.62% | -4.70% | 10.95% | 10.55% | 9.75% | 10.51% | +1,521 bps | |
| Net Interest Margin | 2.59% | 2.78% | 2.79% | 3.02% | 3.12% | 3.23% | 3.29% | 3.37% | +35 bps | |
| Efficiency Ratio | 57.62% | 54.11% | 54.89% | 83.03% | 44.10% | 45.62% | 45.90% | 41.71% | -4,132 bps | |
| Non-Interest Burden | 1.40% | 1.41% | 1.44% | 2.46% | 1.16% | 1.43% | 1.46% | 1.33% | -113 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.43% | 0.23% | -0.95% | 43.14% | 45.51% | 41.77% | 45.62% | 3.57% | -3,957 bps | |
| Loan Growth (YoY) | -0.85% | -0.83% | -1.16% | 36.86% | 39.35% | 38.40% | 43.22% | 6.30% | -3,056 bps | |
| Deposit Growth (YoY) | 1.17% | 3.75% | 2.40% | 49.88% | 51.11% | 43.79% | 48.19% | 3.38% | -4,650 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.67% | 0.69% | 0.61% | 0.35% | 0.36% | 0.55% | 0.42% | 0.68% | +33 bps | |
| Net Charge-Offs / Loans | 0.17% | 0.16% | 0.17% | 0.18% | 0.18% | 0.17% | 0.23% | 0.71% | +53 bps | |
| Allowance / Loans | 1.02% | 1.00% | 1.00% | 1.40% | 1.38% | 1.35% | 1.30% | 1.18% | -22 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.4x | 1.7x | 4.0x | 3.9x | 2.4x | 3.1x | 1.7x | -2.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.43% | 11.66% | 11.67% | 12.81% | 10.35% | 10.59% | 10.81% | 10.81% | -200 bps | |
| Total Risk-Based Capital | 13.77% | 13.60% | 13.79% | 13.24% | 13.38% | 13.33% | 13.33% | 13.20% | -4 bps | |
| Equity / Assets | 13.25% | 12.94% | 13.22% | 11.75% | 11.99% | 12.23% | 12.23% | 12.26% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 107.29% | 105.34% | 105.08% | 97.86% | 98.94% | 101.39% | 101.55% | 100.62% | +276 bps | |
| Liquid Assets / Assets | 1.93% | 3.03% | 2.49% | 3.59% | 3.18% | 2.06% | 1.82% | 1.79% | -180 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 575% | 583% | 585% | n/a | n/a | |