Astoria, NY · Cert 58424
State charter, non-member · FDIC · 13 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 $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35 to 36). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
21
Asset Quality
42
Profitability
44
Liquidity
74
Efficiency
26
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.
Astoria, NY · Cert 58424
State charter, non-member · FDIC · 13 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #69 of 151 inst. · $1.3B 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 | 0.16% | 0.21% | 0.24% | 0.35% | 0.43% | 0.50% | 0.62% | 0.66% | +31 bps | |
| Return on Equity | 1.55% | 2.09% | 2.43% | 3.55% | 4.32% | 5.03% | 6.13% | 6.56% | +301 bps | |
| Net Interest Margin | 2.66% | 2.66% | 2.91% | 3.06% | 3.21% | 3.27% | 3.58% | 3.60% | +54 bps | |
| Efficiency Ratio | 91.26% | 90.22% | 85.48% | 81.48% | 79.29% | 78.23% | 75.60% | 75.14% | -633 bps | |
| Non-Interest Burden | 2.40% | 2.38% | 2.45% | 2.45% | 2.50% | 2.51% | 2.63% | 2.63% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.94% | 3.37% | 6.15% | 7.16% | 3.92% | 3.76% | 3.20% | 5.61% | -155 bps | |
| Loan Growth (YoY) | 6.46% | 5.03% | 7.89% | 7.28% | 0.92% | 2.03% | 1.84% | 4.34% | -294 bps | |
| Deposit Growth (YoY) | 0.41% | 4.29% | 3.00% | 6.16% | 2.18% | 1.84% | 0.07% | 4.27% | -189 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.42% | 1.34% | 1.29% | 1.25% | 1.43% | 1.13% | 1.13% | 0.84% | -41 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.03% | -0.01% | -0.01% | -0.01% | -0.02% | 0.00% | 0.12% | +13 bps | |
| Allowance / Loans | 1.82% | 1.80% | 1.84% | 1.86% | 1.91% | 1.91% | 1.95% | 1.84% | -3 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.4x | 1.4x | 1.5x | 1.3x | 1.7x | 1.7x | 2.2x | +0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.27% | 9.99% | 9.95% | 9.97% | 10.19% | 10.26% | 10.25% | 10.35% | +37 bps | |
| Total Risk-Based Capital | 12.98% | 13.03% | 13.06% | 13.00% | 13.17% | 13.07% | 13.09% | 12.94% | -7 bps | |
| Equity / Assets | 9.94% | 9.84% | 9.85% | 9.91% | 10.01% | 10.03% | 10.12% | 9.99% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.79% | 100.92% | 100.44% | 102.13% | 100.54% | 101.11% | 102.22% | 102.20% | +7 bps | |
| Liquid Assets / Assets | 7.83% | 8.61% | 8.35% | 7.28% | 8.51% | 8.31% | 8.19% | 8.25% | +97 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 683% | 678% | 657% | n/a | n/a | |
Astoria, NY · Cert 58424 · Peer group: banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35-36)
State charter, non-member · FDIC · 13 branches
Q2 2026
Return on Assets
0.65%
Rank 27 of 36
Net Interest Margin
3.60%
Rank 10 of 36
Efficiency Ratio
75.14%
Rank 27 of 35
Equity / Assets
9.99%
Rank 25 of 36
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.65% | 0.65% | 1.00% | 1.72% | Beats 25% | 27 / 36 | ||
| Return on Equity | 6.46% | 5.35% | 9.30% | 13.56% | Beats 34% | 23 / 35 | ||
| Net Interest Margin | 3.60% | 2.66% | 3.13% | 3.63% | Beats 72% | 10 / 36 | ||
| Efficiency Ratio | 75.14% | 52.19% | 63.09% | 75.14% | Beats 26% | 27 / 35 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.84% | 0.46% | 0.84% | 1.59% | Beats 50% | 19 / 36 | ||
| Net Charge-Offs / Loans | 0.07% | n/a | 0.03% | 0.14% | Beats 33% | 25 / 36 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.68% | 13.13% | 14.78% | 18.34% | Beats 14% | 31 / 36 | ||
| Total Risk-Based Capital Ratio | 12.94% | 13.73% | 15.96% | 19.27% | Beats 17% | 30 / 36 | ||
| Equity / Assets | 9.99% | 9.80% | 11.58% | 14.82% | Beats 31% | 25 / 36 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 102.20% | 81.12% | 95.13% | 103.24% | 69th pctl | 11 / 36 | ||
| Loans / Assets | 85.40% | 67.44% | 76.31% | 84.79% | 81st pctl | 7 / 36 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||