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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.08%1 | 0.02%1 | 0.10% | 0.66% | 0.88% | 2.71% | 1.40% | 1.04% | +38 bps | |
| Return on Equity | 1.10% | 0.26% | 1.20% | 8.22% | 10.95% | 32.99% | 15.46% | 11.48% | +326 bps | |
| Net Interest Margin | 2.40% | 2.53% | 2.84% | 2.38% | 2.58% | 2.66% | 3.43% | 3.55% | +117 bps | |
| Efficiency Ratio | 97.75% | 98.73% | 94.08% | 82.92% | 77.62% | 75.59% | 75.60% | 76.79% | -613 bps | |
| Non-Interest Burden | 2.32% | 2.48% | 2.60% | 1.77% | 1.69% | 1.64% | 2.16% | 2.30% | +53 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% | 0.11% | 0.33% | 0.37% | 0.37% | 0.57% | -0.68% | -0.22% | -59 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 | |