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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.48% | 0.65% | 0.09% | 0.42% | 0.83% | +36 bps | |
| Return on Equity | 4.95% | 6.79% | 0.92% | 4.42% | 8.41% | +346 bps | |
| Net Interest Margin | 2.76% | 2.77% | 2.90% | 2.99% | 3.17% | +40 bps | |
| Efficiency Ratio | 67.34% | 65.29% | 65.13% | 78.63% | 65.70% | -164 bps | |
| Non-Interest Burden | 1.63% | 1.62% | 1.71% | 2.22% | 1.89% | +26 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 | 0.71% | 0.12% | 1.91% | 0.01% | 0.10% | -61 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 | |