Carmel, NY · Cert 6990
National charter · OCC · 6 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #124 of 151 inst. · $0.1B 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 | 1.05% | 0.64% | 0.88% | 1.27% | 1.18% | 1.29% | 1.02% | 1.61% | +34 bps | |
| Return on Equity | 4.37% | 2.64% | 3.51% | 5.06% | 4.79% | 5.16% | 3.88% | 6.21% | +115 bps | |
| Net Interest Margin | 4.05% | 4.11% | 3.88% | 4.05% | 3.96% | 5.10% | 3.85% | 4.19% | +15 bps | |
| Efficiency Ratio | 65.94% | 79.76% | 69.26% | 60.12% | 60.27% | 65.87% | 65.96% | 60.20% | +7 bps | |
| Non-Interest Burden | 2.62% | 3.23% | 2.65% | 2.37% | 2.33% | 3.31% | 2.47% | 2.46% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.93% | 0.69% | 1.20% | 2.41% | 2.01% | 1.17% | -0.74% | 5.27% | +286 bps | |
| Loan Growth (YoY) | 2.06% | 1.58% | 0.93% | 0.50% | -0.18% | -2.07% | 2.07% | 2.53% | +202 bps | |
| Deposit Growth (YoY) | -4.92% | -0.68% | -0.10% | 1.95% | 1.47% | 0.02% | -2.49% | 5.41% | +346 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.55% | 0.53% | 0.51% | 0.63% | 1.04% | 0.59% | 0.52% | 0.48% | -16 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | 0.00% | 0.00% | -0.66% | -0.80% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.26% | 1.26% | 1.25% | 1.26% | 1.43% | 1.66% | 1.58% | 1.42% | +16 bps | |
| Allowance Coverage of NPLs | 2.3x | 2.4x | 2.5x | 2.0x | 1.4x | 2.8x | 3.0x | 3.0x | +1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 24.86% | 24.71% | 25.13% | 25.49% | 25.45% | 25.96% | 26.39% | 26.77% | +128 bps | |
| Total Risk-Based Capital | 24.86% | 24.71% | 25.13% | 25.49% | 25.45% | 25.96% | 26.39% | 26.77% | +128 bps | |
| Equity / Assets | 23.28% | 25.00% | 24.87% | 25.28% | 23.87% | 26.00% | 26.39% | 25.37% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.88% | 93.98% | 93.24% | 93.73% | 85.47% | 92.01% | 97.60% | 91.16% | -256 bps | |
| Liquid Assets / Assets | 30.89% | 27.53% | 27.86% | 27.23% | 32.81% | 29.80% | 26.14% | 29.87% | +264 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 154.67% | 149.13% | 159.89% | n/a | n/a | |