Garden City Park, NY · Cert 58675 · Hanover Bcorp Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.1% share · #60 of 151 inst. · $2.0B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.40% | 0.48% | 0.38% | 0.42% | 0.63% | +23 bps | |
| Return on Equity | 4.14% | 5.03% | 3.99% | 4.42% | 6.44% | +231 bps | |
| Net Interest Margin | 2.75% | 2.71% | 2.74% | 2.99% | 3.13% | +38 bps | |
| Efficiency Ratio | 76.40% | 72.74% | 70.82% | 78.63% | 72.08% | -432 bps | |
| Non-Interest Burden | 1.93% | 1.79% | 1.76% | 2.22% | 2.09% | +17 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.83% | 0.15% | 3.06% | 3.45% | 1.05% | +187 bps | |
| Loan Growth (YoY) | -2.35% | -1.24% | 0.46% | 1.62% | 1.20% | +355 bps | |
| Deposit Growth (YoY) | 0.46% | 0.85% | 3.76% | 5.95% | 3.15% | +269 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.88% | 0.86% | 1.08% | 1.22% | 1.42% | +54 bps | |
| Net Charge-Offs / Loans | 0.40% | 0.31% | 0.71% | 0.01% | 0.06% | -35 bps | |
| Allowance / Loans | 1.09% | 1.12% | 0.93% | 0.95% | 0.96% | -13 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.3x | 0.9x | 0.8x | 0.7x | -0.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.29% | 9.15% | 9.05% | 9.20% | 9.76% | +47 bps | |
| Total Risk-Based Capital | 14.41% | 14.38% | 14.15% | 14.57% | 14.84% | +43 bps | |
| Equity / Assets | 9.62% | 9.65% | 9.40% | 9.73% | 10.10% | +48 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 101.31% | 101.11% | 98.95% | 97.93% | 99.39% | -191 bps | |
| Liquid Assets / Assets | 6.74% | 6.74% | 4.79% | 7.62% | 5.62% | -112 bps | |
| CRE / Total Capital | n/a | 524% | 527% | 514% | n/a | n/a | |