PackageTrendsPeer
Letter portraitLegal landscape

Grasshopper Bank, N.A.

New York, NY · Cert 59113 · Peer group: banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35-36) · Grasshopper Bcorp Inc.

National charter · OCC · 1 branch

Q2 2026

$1.6BAssets
$1.2BLoans
$1.4BDeposits
$145.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 75% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 10 of 36).
  • Widest gap: tier 1 capital ratio trails 100% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 36 of 36).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.02%

Rank 17 of 36

Net Interest Margin

3.55%

Rank 12 of 36

Efficiency Ratio

76.79%

Rank 29 of 35

Equity / Assets

9.09%

Rank 32 of 36

Non-interest income vs. expense

$25.9M$62.1MINCOMEEXPENSE
Unfavorable gap of $36.2M · efficiency ratio beats 20% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 76.79%Peer median 63.1%Q2 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.02%0.65%1.00%1.72%Beats 53%17 / 36
Return on Equity11.21%5.35%9.30%13.56%Beats 60%14 / 35
Net Interest Margin3.55%2.66%3.13%3.63%Beats 67%12 / 36
Efficiency Ratio76.79%52.19%63.09%75.14%Beats 20%29 / 35
Asset Quality
Nonperforming Loans / Loans0.46%0.46%0.84%1.59%Beats 75%10 / 36
Net Charge-Offs / Loans0.13%n/a0.03%0.14%Beats 28%27 / 36
Capital
Tier 1 Capital Ratio10.17%13.13%14.78%18.34%Beats 0%36 / 36
Total Risk-Based Capital Ratio11.00%13.73%15.96%19.27%Beats 3%35 / 36
Equity / Assets9.09%9.80%11.58%14.82%Beats 11%32 / 36
Liquidity & Funding
Loans / Deposits83.69%81.12%95.13%103.24%28th pctl26 / 36
Loans / Assets74.98%67.44%76.31%84.79%39th pctl22 / 36
Brokered Deposits / Depositsn/aNot reported for this institution