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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.34% | 1.43% | 1.32% | 0.43% | 0.83% | -52 bps | |
| Return on Equity | 10.23% | 10.74% | 9.76% | 2.98% | 5.76% | -446 bps | |
| Net Interest Margin | 4.27% | 4.21% | 4.24% | 4.05% | 4.20% | -8 bps | |
| Efficiency Ratio | 56.78% | 55.77% | 56.62% | 60.95% | 59.61% | +283 bps | |
| Non-Interest Burden | 2.19% | 2.12% | 2.17% | 2.27% | 2.28% | +9 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.20% | -4.73% | -3.47% | -1.07% | -2.41% | +79 bps | |
| Loan Growth (YoY) | 5.63% | 7.26% | 12.48% | 12.72% | 13.34% | +771 bps | |
| Deposit Growth (YoY) | -4.94% | -6.57% | -5.15% | -2.01% | -2.78% | +215 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.69% | 1.74% | 3.12% | 3.02% | 2.65% | +96 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.07% | 0.06% | 0.98% | 0.65% | +59 bps | |
| Allowance / Loans | 1.28% | 1.23% | 1.45% | 1.54% | 1.47% | +19 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.7x | 0.5x | 0.5x | 0.6x | -0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.86% | 13.73% | 14.18% | 14.35% | 15.00% | +114 bps | |
| Total Risk-Based Capital | 13.86% | 13.73% | 14.18% | 14.35% | 15.00% | +114 bps | |
| Equity / Assets | 13.54% | 13.87% | 14.09% | 14.47% | 14.63% | +109 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 77.11% | 78.96% | 80.35% | 85.09% | 89.91% | +1,279 bps | |
| Liquid Assets / Assets | 32.70% | 27.96% | 22.01% | 15.91% | 12.46% | -2,025 bps | |
| CRE / Total Capital | n/a | 391% | 381% | 388% | n/a | n/a | |