Spring Bank
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
$641.0MAssets
$456.6MLoans
$549.1MDeposits
$89.0MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 100% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 1 of 31).
- Widest gap: net charge-offs / loans trails 80% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 25 of 30).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $8.1M · efficiency ratio beats 100% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area | 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 |