Brooklyn, NY · Cert 90544
FDIC
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.08% | 2.20% | 2.24% | 1.72% | 1.18% | -90 bps | |
| Return on Equity | 10.28% | 11.57% | 11.25% | 10.45% | 9.10% | -118 bps | |
| Net Interest Margin | 1.09% | 0.93% | 1.11% | 0.84% | 0.48% | -60 bps | |
| Efficiency Ratio | 77.98% | 76.20% | 76.96% | 78.14% | 80.36% | +238 bps | |
| Non-Interest Burden | -1.82% | -1.86% | -2.20% | -1.90% | -1.26% | +55 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.72% | 15.70% | 17.87% | 90.04% | 94.45% | +9,517 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 18.89% | 16.68% | 20.56% | 18.19% | 12.84% | -605 bps | |
| Total Risk-Based Capital | 73.39% | 73.35% | 108.01% | 57.01% | 42.05% | -3,134 bps | |
| Equity / Assets | 16.13% | 16.14% | 24.34% | 12.50% | 9.18% | -695 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 96.74% | 96.91% | 95.57% | 97.71% | 98.16% | +142 bps | |
| CRE / Total Capital | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |