New York, NY · Cert 59046
FDIC
Q2 2026
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 | 6.29% | 2.70% | 5.34% | 5.99% | 4.93% | 2.03% | 5.04% | 5.12% | -86 bps | |
| Return on Equity | 9.44% | 4.03% | 7.92% | 8.67% | 7.07% | 3.00% | 7.65% | 7.91% | -76 bps | |
| Net Interest Margin | 2.84% | 2.57% | 2.32% | 2.39% | 2.36% | 2.14% | 2.01% | 2.07% | -32 bps | |
| Efficiency Ratio | 95.87% | 96.05% | 95.94% | 95.78% | 96.24% | 96.33% | 96.32% | 96.49% | +71 bps | |
| Non-Interest Burden | -7.00% | -6.66% | -7.16% | -6.71% | -7.21% | -6.90% | -6.90% | -6.63% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.35% | 8.53% | 4.48% | 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 | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | 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 | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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 | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 76.27% | 76.49% | 77.08% | 78.65% | 80.03% | 76.65% | 75.12% | 74.03% | -462 bps | |
| Total Risk-Based Capital | 148.32% | 147.58% | 154.33% | 163.12% | 152.62% | 145.73% | 154.66% | 147.57% | -1,556 bps | |
| Equity / Assets | 66.91% | 66.89% | 68.04% | 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 | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |