Bronx, NY · Cert 58668 · Checkspring Community Corp.
State charter, non-member · FDIC · 2 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
43
Asset Quality
30
Profitability
87
Liquidity
61
Efficiency
100
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.
Bronx, NY · Cert 58668 · Checkspring Community Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #92 of 151 inst. · $0.5B 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 | 1.63% | 1.73% | 1.45% | 1.58% | 1.60% | 1.55% | 1.44% | 1.71% | +13 bps | |
| Return on Equity | 9.63% | 10.29% | 8.97% | 9.91% | 10.21% | 9.96% | 10.15% | 12.16% | +225 bps | |
| Net Interest Margin | 4.11% | 4.10% | 4.44% | 4.24% | 4.10% | 3.97% | 3.88% | 3.85% | -38 bps | |
| Efficiency Ratio | 48.72% | 47.73% | 46.61% | 47.11% | 46.75% | 47.43% | 40.40% | 41.20% | -591 bps | |
| Non-Interest Burden | 1.94% | 1.84% | 2.02% | 1.95% | 1.87% | 1.83% | 1.12% | 1.26% | -69 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.72% | 14.96% | 16.72% | 14.22% | 18.06% | 18.21% | 29.36% | 24.11% | +989 bps | |
| Loan Growth (YoY) | 18.29% | 16.91% | 26.99% | 24.36% | 20.44% | 22.84% | 37.54% | 33.84% | +948 bps | |
| Deposit Growth (YoY) | 7.45% | 19.32% | 26.67% | 23.98% | 30.62% | 25.83% | 36.11% | 27.64% | +365 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.75% | 2.60% | 1.55% | 1.53% | 1.48% | 0.99% | 0.79% | 0.60% | -94 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.06% | 0.05% | 0.05% | 0.05% | 0.05% | 0.04% | 0.07% | +2 bps | |
| Allowance / Loans | 1.23% | 1.17% | 1.23% | 1.23% | 1.19% | 1.17% | 1.20% | 1.21% | -2 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 0.8x | 0.8x | 0.8x | 1.2x | 1.5x | 2.0x | +1.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 17.70% | 18.03% | 17.23% | 16.62% | 16.28% | 15.99% | 15.06% | 14.59% | -204 bps | |
| Total Risk-Based Capital | 17.70% | 18.03% | 17.23% | 16.62% | 16.28% | 15.99% | 15.06% | 14.59% | -204 bps | |
| Equity / Assets | 17.09% | 16.69% | 15.73% | 15.34% | 15.14% | 15.12% | 13.31% | 13.88% | -145 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.32% | 82.24% | 82.76% | 79.30% | 76.83% | 80.28% | 83.63% | 83.15% | +385 bps | |
| Liquid Assets / Assets | 12.04% | 11.64% | 11.06% | 14.17% | 17.37% | 15.10% | 13.82% | 13.38% | -79 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 326% | 350% | 426% | n/a | n/a | |
Bronx, NY · Cert 58668 · Peer group: banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30-31) · Checkspring Community Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
1.64%
Rank 3 of 31
Net Interest Margin
3.85%
Rank 8 of 31
Efficiency Ratio
41.20%
Rank 1 of 31
Equity / Assets
13.88%
Rank 15 of 31
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.64% | -0.02% | 0.39% | 0.84% | Beats 90% | 3 / 31 | ||
| Return on Equity | 11.81% | -0.19% | 2.57% | 5.72% | Beats 97% | 1 / 31 | ||
| Net Interest Margin | 3.85% | 2.51% | 3.30% | 3.85% | Beats 74% | 8 / 31 | ||
| Efficiency Ratio | 41.20% | 68.41% | 83.66% | 91.76% | Beats 100% | 1 / 31 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.60% | 0.18% | 0.47% | 2.65% | Beats 40% | 19 / 30 | ||
| Net Charge-Offs / Loans | 0.04% | n/a | n/a | 0.02% | Beats 20% | 25 / 30 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.59% | 13.24% | 15.54% | 26.77% | Beats 39% | 19 / 31 | ||
| Total Risk-Based Capital Ratio | 14.59% | 14.07% | 16.32% | 26.77% | Beats 39% | 19 / 31 | ||
| Equity / Assets | 13.88% | 10.38% | 13.26% | 17.83% | Beats 52% | 15 / 31 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.15% | 84.03% | 94.98% | 103.65% | 19th pctl | 25 / 31 | ||
| Loans / Assets | 71.24% | 61.61% | 75.31% | 83.78% | 35th pctl | 20 / 31 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||