Bank Comparison
Pibank, N.A. vs Northeast Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 17
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Pibank, N.A. | Northeast Community Bank |
|---|---|---|
| CET1 Ratio | 12.72% | 15.47% |
| Tier 1 Capital Ratio | 17.26% | 15.47% |
| Total Capital Ratio | 18.52% | 15.73% |
| Tier 1 Leverage Ratio | 9.84% | 16.76% |
| Equity / Assets | 8.63% | 16.89% |
Profitability
| Metric | Pibank, N.A. | Northeast Community Bank |
|---|---|---|
| Return on Assets (ROA) | -0.47% | 2.06% |
| Return on Equity (ROE) | -5.38% | 12.16% |
| Net Interest Margin (NIM) | 1.81% | 4.98% |
| Yield on Earning Assets | 5.28% | 7.44% |
| Cost of Funds | 3.82% | 2.83% |
Asset quality
| Metric | Pibank, N.A. | Northeast Community Bank |
|---|---|---|
| Texas Ratio | 2.10% | 0.00% |
| Non-Performing Loan Ratio | 0.43% | 0.00% |
| Non-Performing Asset Ratio | 0.20% | 0.00% |
| Net Charge-Off Ratio | 0.10% | 0.01% |
| ACL / Loans | 1.50% | 0.25% |
Balance sheet
| Metric | Pibank, N.A. | Northeast Community Bank |
|---|---|---|
| Total Assets | $2,028M | $2,019M |
| Total Deposits | $1,808M | $1,636M |
| Total Loans | $932,907K | $1,825M |
| Total Equity | $175,184K | $341,103K |
| Net Income (quarter) | $-2,147 | $10,358K |
Liquidity & funding
| Metric | Pibank, N.A. | Northeast Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 51.59% | 111.55% |
| Core Deposit Ratio | 86.92% | 69.51% |
| Uninsured Deposit Ratio | 10.01% | 24.41% |
Identity
| Metric | Pibank, N.A. | Northeast Community Bank |
|---|---|---|
| Headquarters City | MIAMI | WHITE PLAINS |
| Headquarters State | FL | NY |
| Asset Tier | 4: $1B-10B | 4: $1B-10B |
| Charter Class | 18283 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 2 | 12 |
| Employees (FTE) | 137 | 146 |
| Established | July 2, 1984, midnight | Sept. 1, 1934, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of March 31, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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