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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.71% | 2.03% | 1.45% | 1.69% | 1.66% | 1.40% | 1.44% | 1.92% | +24 bps | |
| Return on Equity | 10.14% | 12.04% | 8.97% | 10.85% | 10.87% | 9.26% | 10.15% | 14.13% | +328 bps | |
| Net Interest Margin | 4.36% | 4.20% | 4.44% | 4.21% | 4.21% | 4.05% | 3.88% | 4.06% | -15 bps | |
| Efficiency Ratio | 46.53% | 45.10% | 46.61% | 47.63% | 46.04% | 49.40% | 40.40% | 41.99% | -564 bps | |
| Non-Interest Burden | 1.93% | 1.61% | 2.02% | 1.95% | 1.91% | 1.92% | 1.12% | 1.47% | -48 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 | 0.08% | 0.06% | 0.05% | 0.04% | 0.06% | 0.06% | 0.04% | 0.10% | +6 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 | |