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 (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 | 1.56% | 1.38% | 1.11% | 1.60% | 1.61% | 0.97% | 0.43% | 1.25% | -36 bps | |
| Return on Equity | 13.02% | 11.23% | 8.57% | 11.90% | 11.76% | 6.94% | 2.98% | 8.57% | -333 bps | |
| Net Interest Margin | 4.67% | 4.29% | 4.12% | 4.35% | 4.42% | 4.11% | 4.05% | 4.25% | -10 bps | |
| Efficiency Ratio | 46.06% | 60.40% | 57.87% | 55.70% | 53.87% | 59.27% | 60.95% | 58.31% | +261 bps | |
| Non-Interest Burden | 1.85% | 2.34% | 2.14% | 2.20% | 2.16% | 2.22% | 2.27% | 2.24% | +5 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 | -0.05% | 1.36% | 0.14% | -0.01% | 0.08% | 0.05% | 0.98% | 0.39% | +39 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 | |