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 | |