Hamilton, NJ · Cert 58481
State charter, non-member · FDIC · 26 branches
Q2 2026
Market Position · Trenton-Princeton, NJ · 2026 SOD (annual) · 5.6% share · #6 of 22 inst. · $1.2B of $22.1B
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 | 1.16% | 1.15% | 0.98% | 1.01% | 1.06% | 1.11% | 0.77% | 0.92% | -8 bps | |
| Return on Equity | 10.94% | 10.79% | 9.11% | 9.44% | 9.96% | 10.29% | 6.85% | 8.25% | -120 bps | |
| Net Interest Margin | 3.36% | 3.29% | 3.44% | 3.40% | 3.43% | 3.45% | 3.50% | 3.49% | +10 bps | |
| Efficiency Ratio | 54.71% | 54.85% | 57.50% | 56.52% | 54.46% | 52.18% | 56.39% | 54.89% | -163 bps | |
| Non-Interest Burden | 1.77% | 1.73% | 1.95% | 1.85% | 1.79% | 1.70% | 1.88% | 1.83% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.60% | 4.74% | 8.06% | 11.16% | 7.32% | 4.70% | 2.32% | 1.69% | -947 bps | |
| Loan Growth (YoY) | 2.21% | 4.06% | 8.16% | 11.05% | 9.28% | 4.74% | 2.08% | 1.31% | -975 bps | |
| Deposit Growth (YoY) | 2.78% | 2.98% | 5.03% | 6.76% | 5.69% | 4.79% | 3.45% | 4.91% | -185 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.22% | 0.21% | 0.21% | 0.35% | 0.30% | 0.43% | 0.67% | 0.86% | +51 bps | |
| Net Charge-Offs / Loans | 0.25% | 0.18% | 0.00% | 0.05% | 0.10% | 0.13% | 0.61% | 0.39% | +35 bps | |
| Allowance / Loans | 1.21% | 1.20% | 1.21% | 1.23% | 1.25% | 1.38% | 1.39% | 1.38% | +15 bps | |
| Allowance Coverage of NPLs | 5.4x | 5.7x | 5.8x | 3.5x | 4.2x | 3.2x | 2.1x | 1.6x | -1.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.53% | 9.50% | 9.63% | 9.42% | 9.54% | 9.75% | 10.20% | 10.17% | +75 bps | |
| Total Risk-Based Capital | 11.55% | 11.56% | 11.46% | 12.68% | 12.25% | 12.87% | 13.08% | 13.08% | +40 bps | |
| Equity / Assets | 10.70% | 10.82% | 10.69% | 10.51% | 10.71% | 11.21% | 11.32% | 11.09% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.23% | 102.89% | 103.75% | 105.09% | 104.66% | 102.84% | 102.38% | 101.48% | -361 bps | |
| Liquid Assets / Assets | 8.55% | 7.98% | 7.81% | 8.85% | 8.27% | 8.30% | 8.32% | 9.00% | +15 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 624% | 584% | 578% | n/a | n/a | |