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 (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 | 0.09% | -0.94% | -0.89% | -0.30% | -0.72% | -0.90% | -1.95% | -1.96% | -166 bps | |
| Return on Equity | 0.75% | -7.84% | -7.30% | -2.41% | -5.74% | -7.29% | -15.97% | -16.32% | -1,391 bps | |
| Net Interest Margin | 2.86% | 2.92% | 1.94% | 2.22% | 2.18% | 2.10% | 2.06% | 2.22% | 0 bps | |
| Efficiency Ratio | 99.84% | 123.43% | 116.69% | 100.52% | 114.59% | 120.41% | 166.88% | 159.07% | +5,855 bps | |
| Non-Interest Burden | 2.86% | 3.77% | 2.42% | 2.24% | 2.64% | 2.70% | 3.70% | 3.72% | +149 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.62% | -4.78% | -18.04% | -9.63% | -9.84% | -5.63% | -2.94% | 1.37% | +1,099 bps | |
| Loan Growth (YoY) | -11.01% | -13.19% | -8.84% | -13.71% | -10.66% | -5.35% | -0.15% | 9.16% | +2,287 bps | |
| Deposit Growth (YoY) | -4.42% | -9.91% | -21.44% | -11.01% | -12.83% | -2.30% | -0.86% | 2.39% | +1,340 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 6.53% | 2.21% | 3.48% | 2.30% | 2.41% | 0.55% | 0.53% | 0.00% | -230 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.86% | 0.44% | 0.65% | 1.42% | -0.02% | 0.44% | 0 bps | |
| Allowance / Loans | 1.32% | 1.67% | 1.64% | 1.73% | 1.66% | 0.84% | 0.92% | 0.87% | -86 bps | |
| Allowance Coverage of NPLs | 0.2x | 0.8x | 0.5x | 0.8x | 0.7x | 1.5x | 1.8x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.73% | 12.66% | 13.45% | 13.88% | 14.02% | 13.27% | 12.63% | 12.70% | -118 bps | |
| Total Risk-Based Capital | 22.10% | 21.45% | 21.46% | 22.24% | 22.12% | 20.41% | 19.40% | 17.89% | -435 bps | |
| Equity / Assets | 12.85% | 11.51% | 13.00% | 12.95% | 12.75% | 11.93% | 12.54% | 11.61% | -134 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.46% | 76.04% | 82.84% | 78.82% | 77.34% | 73.67% | 83.44% | 84.03% | +521 bps | |
| Liquid Assets / Assets | 25.72% | 28.32% | 19.44% | 22.99% | 23.97% | 24.74% | 16.50% | 18.32% | -466 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 373% | 388% | 411% | n/a | n/a | |