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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.78% | 0.72% | 0.52% | 0.23% | -0.02% | -81 bps | |
| Return on Equity | 5.86% | 5.35% | 3.91% | 1.77% | -0.19% | -605 bps | |
| Net Interest Margin | 3.79% | 3.64% | 3.45% | 3.22% | 3.07% | -72 bps | |
| Efficiency Ratio | 73.93% | 75.21% | 80.61% | 86.82% | 91.39% | +1,746 bps | |
| Non-Interest Burden | 2.77% | 2.70% | 2.75% | 2.79% | 2.79% | +2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.64% | 5.20% | 4.76% | 7.70% | 13.85% | +521 bps | |
| Loan Growth (YoY) | 10.93% | 4.12% | 7.67% | 5.93% | 9.10% | -182 bps | |
| Deposit Growth (YoY) | 10.28% | 6.13% | 2.78% | 3.06% | 6.63% | -365 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.94% | 6.99% | 4.87% | 3.54% | 4.49% | +155 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.16% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.13% | 1.15% | 1.00% | 1.02% | 0.99% | -14 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.2x | 0.2x | 0.3x | 0.2x | -0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.59% | 13.30% | 13.37% | 13.18% | 12.11% | -149 bps | |
| Total Risk-Based Capital | 13.59% | 13.30% | 13.37% | 13.18% | 12.11% | -149 bps | |
| Equity / Assets | 13.36% | 13.49% | 13.27% | 12.95% | 11.81% | -155 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 114.06% | 113.38% | 108.99% | 110.86% | 116.71% | +265 bps | |
| Liquid Assets / Assets | 4.82% | 6.12% | 5.51% | 5.70% | 5.49% | +67 bps | |
| CRE / Total Capital | n/a | 448% | 430% | 399% | n/a | n/a | |