Abacus Federal Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 1.52 percentage points lower than in Q1 2026, at 94.98%. Within New York, Abacus Federal Savings Bank is 92nd of 105 on return on assets, 0.29% as of Q2 2026, below the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Abacus Federal Savings Bank reported 0.29% on return on assets in Q2 2026, 0.96 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 33.96% |
| Tier 1 risk-based capital ratio | 33.96% |
| Total risk-based capital ratio | 35.26% |
| Tier 1 leverage ratio | 16.32% |
| Equity capital to assets | 17.83% |
| Tangible equity to tangible assets | 17.83% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.58% |
| Non-performing assets ratio | 0.50% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.68% |
| Allowance for credit losses to loans | 1.19% |
| Reserve coverage of non-performing loans | 205.08% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.29% |
| Return on equity | 1.63% |
| Net interest margin | 4.44% |
| Efficiency ratio | 91.49% |
| Yield on earning assets | 5.59% |
| Cost of funds | 1.38% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.98% |
| Core deposits to total deposits | 93.61% |
| Brokered deposits to total deposits | 1.67% |
| Deposits to assets | 80.41% |
| Securities to assets | — |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 29.87% | 29.87% | 31.16% | 14.77% | 0.72% |
| Q4 2023 | 30.01% | 30.01% | 31.31% | 15.02% | 0.48% |
| Q1 2024 | 29.98% | 29.98% | 31.28% | 15.17% | 0.40% |
| Q2 2024 | 29.88% | 29.88% | 31.18% | 15.32% | 0.64% |
| Q3 2024 | 30.50% | 30.50% | 31.80% | 15.53% | 0.46% |
| Q4 2024 | 30.81% | 30.81% | 32.11% | 15.84% | 1.02% |
| Q1 2025 | 31.88% | 31.88% | 33.19% | 15.91% | 0.47% |
| Q2 2025 | 32.84% | 32.84% | 34.14% | 15.86% | 0.49% |
| Q3 2025 | 33.40% | 33.40% | 34.70% | 15.93% | 0.31% |
| Q4 2025 | 32.44% | 32.44% | 33.75% | 15.88% | 0.18% |
| Q1 2026 | 33.47% | 33.47% | 34.77% | 16.47% | 0.24% |
| Q2 2026 | 33.96% | 33.96% | 35.26% | 16.32% | 0.29% |
Abacus Federal Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Abacus Federal Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Abacus Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32257) · FFIEC NIC profile (RSSD 762773)