New York, NY · Cert 58263
State charter, non-member · FDIC · 3 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
18
Asset Quality
57
Profitability
28
Liquidity
0
Efficiency
29
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.
New York, NY · Cert 58263
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #117 of 151 inst. · $0.2B 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 | 0.30% | 0.36% | 0.36% | 0.78% | 0.72% | 0.52% | 0.23% | -0.02% | -81 bps | |
| Return on Equity | 2.14% | 2.63% | 2.73% | 5.86% | 5.35% | 3.91% | 1.77% | -0.19% | -605 bps | |
| Net Interest Margin | 2.98% | 2.98% | 3.30% | 3.79% | 3.64% | 3.45% | 3.22% | 3.07% | -72 bps | |
| Efficiency Ratio | 86.00% | 84.82% | 85.31% | 73.93% | 75.21% | 80.61% | 86.82% | 91.39% | +1,746 bps | |
| Non-Interest Burden | 2.53% | 2.50% | 2.79% | 2.77% | 2.70% | 2.75% | 2.79% | 2.79% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.51% | 5.09% | 10.76% | 8.64% | 5.20% | 4.76% | 7.70% | 13.85% | +521 bps | |
| Loan Growth (YoY) | 0.62% | -3.68% | 2.78% | 10.93% | 4.12% | 7.67% | 5.93% | 9.10% | -182 bps | |
| Deposit Growth (YoY) | -1.34% | 7.55% | 9.72% | 10.28% | 6.13% | 2.78% | 3.06% | 6.63% | -365 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.10% | 1.87% | 3.25% | 2.94% | 6.99% | 4.87% | 3.54% | 4.49% | +155 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.16% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.17% | 1.24% | 1.20% | 1.13% | 1.15% | 1.00% | 1.02% | 0.99% | -14 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.7x | 0.4x | 0.4x | 0.2x | 0.2x | 0.3x | 0.2x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.46% | 13.25% | 13.67% | 13.59% | 13.30% | 13.37% | 13.18% | 12.11% | -149 bps | |
| Total Risk-Based Capital | 13.46% | 13.25% | 13.67% | 13.59% | 13.30% | 13.37% | 13.18% | 12.11% | -149 bps | |
| Equity / Assets | 13.50% | 13.28% | 13.45% | 13.36% | 13.49% | 13.27% | 12.95% | 11.81% | -155 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 115.58% | 104.04% | 107.86% | 114.06% | 113.38% | 108.99% | 110.86% | 116.71% | +265 bps | |
| Liquid Assets / Assets | 5.65% | 10.51% | 7.31% | 4.82% | 6.12% | 5.51% | 5.70% | 5.49% | +67 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 448% | 430% | 399% | n/a | n/a | |
New York, NY · Cert 58263 · 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 · 3 branches
Q2 2026
Return on Assets
-0.02%
Rank 24 of 31
Net Interest Margin
3.07%
Rank 19 of 31
Efficiency Ratio
91.39%
Rank 23 of 31
Equity / Assets
11.81%
Rank 20 of 31
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.02% | -0.02% | 0.39% | 0.84% | Beats 23% | 24 / 31 | ||
| Return on Equity | -0.19% | -0.19% | 2.57% | 5.72% | Beats 23% | 24 / 31 | ||
| Net Interest Margin | 3.07% | 2.51% | 3.30% | 3.85% | Beats 39% | 19 / 31 | ||
| Efficiency Ratio | 91.39% | 68.41% | 83.66% | 91.76% | Beats 29% | 23 / 31 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 4.49% | 0.18% | 0.47% | 2.65% | Beats 13% | 27 / 30 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | n/a | 0.02% | Beats 100% | 17 / 30 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.11% | 13.24% | 15.54% | 26.77% | Beats 13% | 27 / 31 | ||
| Total Risk-Based Capital Ratio | 12.11% | 14.07% | 16.32% | 26.77% | Beats 6% | 29 / 31 | ||
| Equity / Assets | 11.81% | 10.38% | 13.26% | 17.83% | Beats 35% | 20 / 31 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 116.71% | 84.03% | 94.98% | 103.65% | 90th pctl | 3 / 31 | ||
| Loans / Assets | 81.61% | 61.61% | 75.31% | 83.78% | 68th pctl | 10 / 31 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||