New York, NY · Cert 59046
FDIC
Q2 2026
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 | 5.67% | 5.41% | 4.52% | 5.04% | 5.07% | -60 bps | |
| Return on Equity | 8.30% | 7.88% | 6.64% | 7.65% | 7.78% | -52 bps | |
| Net Interest Margin | 2.35% | 2.36% | 2.21% | 2.01% | 2.01% | -35 bps | |
| Efficiency Ratio | 95.86% | 96.00% | 96.09% | 96.32% | 96.41% | +55 bps | |
| Non-Interest Burden | -6.93% | -7.02% | -6.73% | -6.90% | -6.65% | +28 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.86% | 3.30% | 8.30% | 10.36% | 17.20% | +1,534 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 78.65% | 80.03% | 76.65% | 75.12% | 74.03% | -462 bps | |
| Total Risk-Based Capital | 163.12% | 152.62% | 145.73% | 154.66% | 147.57% | -1,556 bps | |
| Equity / Assets | 70.11% | 69.42% | 66.02% | 65.86% | 63.78% | -633 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |