Hanover Community 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.
Reserve coverage of non-performing loans dropped 23.26 percentage points in Q2 2026, from 77.71% to 54.45%. It was the largest change from Q1 2026 among the key lines here. Within New York, Hanover Community Bank is 62nd of 105 on return on assets, 0.88% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Hanover Community Bank sits 0.40 points lower, at 0.88% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.59% |
| Tier 1 risk-based capital ratio | 13.59% |
| Total risk-based capital ratio | 14.84% |
| Tier 1 leverage ratio | 9.76% |
| Equity capital to assets | 10.10% |
| Tangible equity to tangible assets | 9.29% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.76% |
| Non-performing assets ratio | 1.53% |
| Net charge-off ratio | 0.10% |
| Texas ratio | 15.28% |
| Allowance for credit losses to loans | 0.96% |
| Reserve coverage of non-performing loans | 54.45% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.88% |
| Return on equity | 8.41% |
| Net interest margin | 3.23% |
| Efficiency ratio | 65.70% |
| Yield on earning assets | 5.91% |
| Cost of funds | 2.94% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.39% |
| Core deposits to total deposits | 88.37% |
| Brokered deposits to total deposits | 6.30% |
| Deposits to assets | 86.21% |
| Securities to assets | 5.82% |
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 | 13.55% | 13.55% | 14.60% | 9.16% | 0.72% |
| Q4 2023 | 13.17% | 13.17% | 14.31% | 9.08% | 0.76% |
| Q1 2024 | 12.99% | 12.99% | 14.19% | 8.90% | 0.78% |
| Q2 2024 | 12.78% | 12.78% | 14.21% | 8.89% | 0.21% |
| Q3 2024 | 12.99% | 12.99% | 14.24% | 8.85% | 0.68% |
| Q4 2024 | 13.32% | 13.32% | 14.58% | 9.13% | 0.75% |
| Q1 2025 | 13.37% | 13.37% | 14.62% | 8.95% | 0.32% |
| Q2 2025 | 13.16% | 13.16% | 14.41% | 9.29% | 0.50% |
| Q3 2025 | 13.13% | 13.13% | 14.38% | 9.15% | 0.67% |
| Q4 2025 | 12.90% | 12.90% | 14.15% | 9.05% | 0.09% |
| Q1 2026 | 13.32% | 13.32% | 14.57% | 9.20% | 0.43% |
| Q2 2026 | 13.59% | 13.59% | 14.84% | 9.76% | 0.88% |
Hanover Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Hanover Community 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 Hanover Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58675) · FFIEC NIC profile (RSSD 3793714)