Flushing, NY · Cert 58203
State charter, non-member · FDIC · 7 branches
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
51
Asset Quality
15
Profitability
77
Liquidity
83
Efficiency
87
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.
Flushing, NY · Cert 58203
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #94 of 151 inst. · $0.5B 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 | 1.45% | 1.43% | 1.11% | 1.34% | 1.43% | 1.32% | 0.43% | 0.83% | -52 bps | |
| Return on Equity | 12.34% | 12.05% | 8.57% | 10.23% | 10.74% | 9.76% | 2.98% | 5.76% | -446 bps | |
| Net Interest Margin | 4.57% | 4.50% | 4.12% | 4.27% | 4.21% | 4.24% | 4.05% | 4.20% | -8 bps | |
| Efficiency Ratio | 44.23% | 48.13% | 57.87% | 56.78% | 55.77% | 56.62% | 60.95% | 59.61% | +283 bps | |
| Non-Interest Burden | 1.70% | 1.86% | 2.14% | 2.19% | 2.12% | 2.17% | 2.27% | 2.28% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.52% | 2.31% | -5.90% | -3.20% | -4.73% | -3.47% | -1.07% | -2.41% | +79 bps | |
| Loan Growth (YoY) | 11.79% | 0.96% | 1.57% | 5.63% | 7.26% | 12.48% | 12.72% | 13.34% | +771 bps | |
| Deposit Growth (YoY) | 2.75% | 1.12% | -7.38% | -4.94% | -6.57% | -5.15% | -2.01% | -2.78% | +215 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.62% | 1.58% | 1.55% | 1.69% | 1.74% | 3.12% | 3.02% | 2.65% | +96 bps | |
| Net Charge-Offs / Loans | 0.94% | 1.07% | 0.14% | 0.06% | 0.07% | 0.06% | 0.98% | 0.65% | +59 bps | |
| Allowance / Loans | 1.48% | 1.31% | 1.35% | 1.28% | 1.23% | 1.45% | 1.54% | 1.47% | +19 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.8x | 0.9x | 0.8x | 0.7x | 0.5x | 0.5x | 0.6x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.31% | 12.66% | 13.23% | 13.86% | 13.73% | 14.18% | 14.35% | 15.00% | +114 bps | |
| Total Risk-Based Capital | 12.31% | 12.66% | 13.23% | 13.86% | 13.73% | 14.18% | 14.35% | 15.00% | +114 bps | |
| Equity / Assets | 12.03% | 12.52% | 13.41% | 13.54% | 13.87% | 14.09% | 14.47% | 14.63% | +109 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.78% | 67.76% | 73.97% | 77.11% | 78.96% | 80.35% | 85.09% | 89.91% | +1,279 bps | |
| Liquid Assets / Assets | 38.39% | 40.14% | 35.16% | 32.70% | 27.96% | 22.01% | 15.91% | 12.46% | -2,025 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 391% | 381% | 388% | n/a | n/a | |
Flushing, NY · Cert 58203 · Peer group: banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30-31)
State charter, non-member · FDIC · 7 branches
Q2 2026
Return on Assets
0.84%
Rank 8 of 31
Net Interest Margin
4.20%
Rank 5 of 31
Efficiency Ratio
59.61%
Rank 5 of 31
Equity / Assets
14.63%
Rank 10 of 31
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.84% | -0.02% | 0.39% | 0.84% | Beats 74% | 8 / 31 | ||
| Return on Equity | 5.72% | -0.19% | 2.57% | 5.72% | Beats 74% | 8 / 31 | ||
| Net Interest Margin | 4.20% | 2.51% | 3.30% | 3.85% | Beats 84% | 5 / 31 | ||
| Efficiency Ratio | 59.61% | 68.41% | 83.66% | 91.76% | Beats 87% | 5 / 31 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.65% | 0.18% | 0.47% | 2.65% | Beats 27% | 23 / 30 | ||
| Net Charge-Offs / Loans | 0.42% | n/a | n/a | 0.02% | Beats 3% | 30 / 30 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.00% | 13.24% | 15.54% | 26.77% | Beats 42% | 18 / 31 | ||
| Total Risk-Based Capital Ratio | 15.00% | 14.07% | 16.32% | 26.77% | Beats 42% | 18 / 31 | ||
| Equity / Assets | 14.63% | 10.38% | 13.26% | 17.83% | Beats 68% | 10 / 31 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.91% | 84.03% | 94.98% | 103.65% | 35th pctl | 20 / 31 | ||
| Loans / Assets | 75.31% | 61.61% | 75.31% | 83.78% | 48th pctl | 16 / 31 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||