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Piermont Bank

New York, NY · Cert 59154 · Peer group: banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30-31)

State charter, non-member · FDIC · 1 branch

Q2 2026

$505.1MAssets
$324.7MLoans
$386.4MDeposits
$58.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 5 of 30).
  • Widest gap: return on equity trails 100% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 31 of 31).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

-1.94%

Rank 31 of 31

Net Interest Margin

2.22%

Rank 29 of 31

Efficiency Ratio

159.07%

Rank 31 of 31

Equity / Assets

11.61%

Rank 21 of 31

Non-interest income vs. expense

$1.6M$20.0MINCOMEEXPENSE
Unfavorable gap of $18.4M · efficiency ratio beats 3% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 159.07%Peer median 83.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-1.94%-0.02%0.39%0.84%Beats 0%31 / 31
Return on Equity-16.71%-0.19%2.57%5.72%Beats 0%31 / 31
Net Interest Margin2.22%2.51%3.30%3.85%Beats 6%29 / 31
Efficiency Ratio159.07%68.41%83.66%91.76%Beats 3%31 / 31
Asset Quality
Nonperforming Loans / Loans0.00%0.18%0.47%2.65%Beats 100%5 / 30
Net Charge-Offs / Loans0.22%n/an/a0.02%Beats 7%29 / 30
Capital
Tier 1 Capital Ratio17.11%13.24%15.54%26.77%Beats 52%15 / 31
Total Risk-Based Capital Ratio17.89%14.07%16.32%26.77%Beats 52%15 / 31
Equity / Assets11.61%10.38%13.26%17.83%Beats 32%21 / 31
Liquidity & Funding
Loans / Deposits84.03%84.03%94.98%103.65%23rd pctl24 / 31
Loans / Assets64.29%61.61%75.31%83.78%26th pctl23 / 31
Brokered Deposits / Depositsn/aNot reported for this institution