New York, NY · Cert 59113 · Grasshopper Bcorp Inc.
National charter · OCC · 1 branch
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #65 of 151 inst. · $1.4B 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | -0.15% | 0.10% | 1.13% | 1.18% | 6.89% | 1.40% | 0.70% | -43 bps | |
| Return on Equity | 0.22% | -2.20% | 1.20% | 13.32% | 14.89% | 81.30% | 15.46% | 7.59% | -573 bps | |
| Net Interest Margin | 2.52% | 2.98% | 2.84% | 2.86% | 3.09% | 3.38% | 3.43% | 3.69% | +83 bps | |
| Efficiency Ratio | 99.50% | 101.49% | 94.08% | 76.08% | 70.16% | 71.19% | 75.60% | 77.88% | +181 bps | |
| Non-Interest Burden | 2.50% | 3.04% | 2.60% | 1.80% | 1.61% | 1.86% | 2.16% | 2.45% | +65 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 26.27% | 18.71% | 14.55% | 59.75% | 62.23% | 82.49% | 63.18% | 20.13% | -3,962 bps | |
| Loan Growth (YoY) | 26.38% | 24.09% | 13.11% | 55.72% | 64.33% | 72.87% | 67.07% | 25.02% | -3,070 bps | |
| Deposit Growth (YoY) | 26.78% | 20.45% | 11.67% | 55.03% | 58.63% | 77.59% | 62.90% | 20.41% | -3,462 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.41% | 0.91% | 1.33% | 1.66% | 1.59% | 0.55% | 0.48% | 0.46% | -120 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.42% | 0.33% | 0.50% | 0.44% | 1.22% | -0.68% | 0.24% | -26 bps | |
| Allowance / Loans | 1.05% | 0.92% | 0.79% | 0.93% | 0.86% | 0.83% | 0.83% | 0.85% | -8 bps | |
| Allowance Coverage of NPLs | 2.6x | 1.0x | 0.6x | 0.6x | 0.5x | 1.5x | 1.7x | 1.8x | +1.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.02% | 7.91% | 10.81% | 8.09% | 8.45% | 8.02% | 8.06% | 8.22% | +12 bps | |
| Total Risk-Based Capital | 11.68% | 11.36% | 13.99% | 11.30% | 11.03% | 10.83% | 11.10% | 11.00% | -30 bps | |
| Equity / Assets | 6.85% | 6.66% | 9.51% | 7.77% | 8.12% | 8.79% | 9.29% | 9.09% | +132 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.20% | 80.29% | 83.96% | 80.61% | 82.04% | 78.16% | 86.11% | 83.69% | +309 bps | |
| Liquid Assets / Assets | 11.61% | 10.73% | 10.50% | 9.84% | 4.50% | 8.12% | 4.20% | 7.06% | -278 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 267% | 301% | 322% | n/a | n/a | |