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NEW YORK, NY·FDIC Cert #90544·Charter: STATE·Est. 19730512.0
Total Assets
$4.0B
Q4 2025
Return on Assets
2.24%
+0.04%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
76.96%
Peer avg: 57.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
64
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
2.24%+0.04
ROE
11.25%-0.32
Efficiency
76.96%+0.76
Equity/Assets
0.00%+0.00
NPL Ratio
0.00%+0.00
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
0.00%+0.00
Charge-offs
0.00%+0.00
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 | 1.3 | 1.4 | 1.5 | 1.6 | 2.5 | 2.1 | 2.2 | 2.2 |
| ROE | 8.7 | 9.6 | 9.8 | 9.8 | 10.7 | 10.3 | 11.6 | 11.3 |
| Efficiency | 81.3 | 80.0 | 79.7 | 79.8 | 77.3 | 78.0 | 76.2 | 77.0 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | — | — | — | — | — | — | — | — |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Balance Sheet
Total Assets$4.0B
Total Deposits$0
Total Loans$0
Total Equity$969.6M
Profitability
ROA2.24%
ROE11.25%
Efficiency Ratio76.96%
Net Income$103.4M
Risk & Asset Quality
NPL RatioN/A
Charge-off Rate0.00%
Loan/Deposit0.00%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans