Piermont 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 Brokered deposits to total deposits: 4.63 percentage points lower than in Q1 2026, at 12.85%. On return on assets, Piermont Bank is 2nd from the bottom among 105 New York banks, -2.00% (Q2 2026). Piermont Bank's return on assets of -2.00% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 3.26 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.03% |
| Tier 1 risk-based capital ratio | 17.11% |
| Total risk-based capital ratio | 17.89% |
| Tier 1 leverage ratio | 12.70% |
| Equity capital to assets | 11.61% |
| Tangible equity to tangible assets | 11.61% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.95% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.87% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -2.00% |
| Return on equity | -16.75% |
| Net interest margin | 2.38% |
| Efficiency ratio | 151.65% |
| Yield on earning assets | 4.69% |
| Cost of funds | 2.67% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.03% |
| Core deposits to total deposits | 97.65% |
| Brokered deposits to total deposits | 12.85% |
| Deposits to assets | 76.51% |
| Securities to assets | 14.69% |
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 | 13.09% | 18.75% | 19.94% | 13.42% | -0.11% |
| Q4 2023 | 13.38% | 19.09% | 20.30% | 13.07% | 0.23% |
| Q1 2024 | 14.34% | 20.36% | 21.56% | 12.33% | 0.47% |
| Q2 2024 | 13.90% | 19.72% | 20.90% | 12.46% | -0.03% |
| Q3 2024 | 14.74% | 20.93% | 22.10% | 12.73% | -0.20% |
| Q4 2024 | 13.74% | 20.19% | 21.45% | 12.66% | -4.16% |
| Q1 2025 | 13.65% | 20.21% | 21.46% | 13.45% | -0.91% |
| Q2 2025 | 14.23% | 20.99% | 22.24% | 13.88% | 0.31% |
| Q3 2025 | 13.97% | 20.87% | 22.12% | 14.02% | -1.64% |
| Q4 2025 | 12.99% | 19.67% | 20.41% | 13.27% | -1.52% |
| Q1 2026 | 12.03% | 18.57% | 19.40% | 12.63% | -1.93% |
| Q2 2026 | 11.03% | 17.11% | 17.89% | 12.70% | -2.00% |
Piermont Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Piermont 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 Piermont Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59154) · FFIEC NIC profile (RSSD 5342974)