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Flushing Bank
Uniondale, NY·FDIC Cert #58564·Charter: STATE·Est. 20070501.0·HC: FLUSHING FINANCIAL CORP
Total Assets
$8.7B
Q4 2025
Return on Assets
0.42%
+0.04%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
65.58%
Peer avg: 56.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
51
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.42%+0.04
ROE
4.21%+0.39
Efficiency
65.58%+0.40
Equity/Assets
0.00%+0.00
NPL Ratio
0.63%-0.05
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
90.04%+1.17
Charge-offs
0.15%-0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.3 | 0.3 | 0.4 | -0.2 | -0.2 | 0.2 | 0.4 | 0.4 |
| ROE | 3.1 | 3.5 | 4.1 | -2.2 | -2.4 | 2.4 | 3.8 | 4.2 |
| Efficiency | 80.9 | 78.6 | 76.0 | 77.0 | 67.7 | 64.5 | 65.2 | 65.6 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.4 | 0.5 | 0.5 | 0.5 | 0.7 | 0.7 | 0.7 | 0.6 |
| Charge-offs | 0.0 | -0.0 | 0.1 | 0.1 | 0.3 | 0.2 | 0.2 | 0.1 |
| Loan/Deposit | 92.4 | 96.4 | 88.7 | 93.4 | 86.5 | 90.8 | 88.9 | 90.0 |
Balance Sheet
Total Assets$8.7B
Total Deposits$7.3B
Total Loans$6.6B
Total Equity$913.2M
Profitability
ROA0.42%
ROE4.21%
Efficiency Ratio65.58%
Net Income$37.5M
Risk & Asset Quality
NPL Ratio0.63%
Charge-off Rate0.15%
Loan/Deposit90.04%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans