New York, NY · Cert 59154
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #105 of 151 inst. · $0.4B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.32% | -1.59% | -1.48% | -1.95% | -2.02% | -234 bps | |
| Return on Equity | 2.44% | -12.34% | -12.00% | -15.97% | -16.75% | -1,919 bps | |
| Net Interest Margin | 2.45% | 1.95% | 2.04% | 2.06% | 2.34% | -11 bps | |
| Efficiency Ratio | 87.15% | 151.96% | 141.89% | 166.88% | 151.65% | +6,449 bps | |
| Non-Interest Burden | 1.99% | 3.30% | 3.08% | 3.70% | 3.69% | +170 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.63% | -9.84% | -5.63% | -2.94% | 1.37% | +1,099 bps | |
| Loan Growth (YoY) | -13.71% | -10.66% | -5.35% | -0.15% | 9.16% | +2,287 bps | |
| Deposit Growth (YoY) | -11.01% | -12.83% | -2.30% | -0.86% | 2.39% | +1,340 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.30% | 2.41% | 0.55% | 0.53% | 0.00% | -230 bps | |
| Net Charge-Offs / Loans | 0.00% | 1.03% | 3.81% | -0.02% | 0.90% | +90 bps | |
| Allowance / Loans | 1.73% | 1.66% | 0.84% | 0.92% | 0.87% | -86 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.7x | 1.5x | 1.8x | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.88% | 14.02% | 13.27% | 12.63% | 12.70% | -118 bps | |
| Total Risk-Based Capital | 22.24% | 22.12% | 20.41% | 19.40% | 17.89% | -435 bps | |
| Equity / Assets | 12.95% | 12.75% | 11.93% | 12.54% | 11.61% | -134 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.82% | 77.34% | 73.67% | 83.44% | 84.03% | +521 bps | |
| Liquid Assets / Assets | 22.99% | 23.97% | 24.74% | 16.50% | 18.32% | -466 bps | |
| CRE / Total Capital | n/a | 373% | 388% | 411% | n/a | n/a | |