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Abacus Federal Savings Bank

$100M-$1B Specialty: Mortgage NY FDIC cert 32257

Designations: ✓ Minority Depository Institution

New York, NY

5 branches across NY · NJ · PA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 48 in NY.
  • Deposits -2.9% year over year ($257.9M on the books).
  • Delinquency rate 0.48%.
  • Return on assets 0.27%.
  • Efficiency ratio 91.76% vs a 64.48% peer average.
  • Loan-to-deposit ratio 93.85% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 48 in NY
View $100M-$1B leaderboard (NY) →

Abacus Federal Savings Bank has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.51% above tier average
  • + Delinquency Rate 0.44% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 4.2% in tier
  • - Liquidity Strain: Bottom 5.9% in tier
  • - Deposit Outflow: Bottom 32.2% in tier
  • - Efficiency Drag: Bottom 34.3% in tier
  • - Return on Assets 1.06% below tier average
Get updates when Abacus Federal Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Total Assets ? $320.7M
-2.2% YoY +0.5% QoQ
-$65.8M $386.6M
+1.2% YoY
$19.3B
+10.2% YoY
$6.3B
+7.7% YoY
50%
Total Loans ? $242.0M
-1.8% YoY -1.5% QoQ
-$16.3M $258.3M
+1.7% YoY
$8.2B
+12.4% YoY
$3.2B
+9.4% YoY
57%
Total Deposits ? $257.9M
-2.9% YoY +0.1% QoQ
-$68.8M $326.7M
+0.7% YoY
$14.8B
+8.7% YoY
$4.9B
+7.3% YoY
46%
Return on Assets ? 0.27%
-44.7% YoY +11.0% QoQ
-1.06% 1.32%
+10.8% YoY
0.94%
+14.0% YoY
1.30%
+12.1% YoY
Bottom 6.7% in tier
Net Interest Margin ? 4.50%
+1.9% YoY +1.6% QoQ
+0.51% 3.99%
+5.0% YoY
3.52%
+6.2% YoY
3.95%
+4.9% YoY
80%
Efficiency Ratio ? 91.76%
+7.6% YoY -0.3% QoQ
+27.28% 64.48%
-3.2% YoY
67.96%
-1.8% YoY
70.05%
+2.5% YoY
Bottom 4.7% in tier
Delinquency Rate ? 0.48%
-22.3% YoY -22.5% QoQ
-0.44% 0.92%
+15.7% YoY
1.19%
+15.7% YoY
0.98%
+16.3% YoY
47%
Loan-to-Deposit Ratio ? 93.85%
+1.0% YoY -1.6% QoQ
+15.90% 77.95%
+1.0% YoY
79.34%
+1.1% YoY
79.03%
+2.3% YoY
18%
Non-Interest-Bearing Deposit Share ? 32.83%
-1.9% YoY -6.7% QoQ
+10.80% 22.03%
-0.6% YoY
22.09%
+0.6% YoY
21.98%
-0.6% YoY
Top 12.9% in tier
Nonperforming Asset Ratio ? 0.42%
-19.3% YoY -21.3% QoQ
-0.25% 0.67%
+16.4% YoY
0.79%
+14.5% YoY
0.69%
+15.8% YoY
43%
Tier 1 Capital Ratio ? 33.96%
+3.4% YoY +1.5% QoQ
+18.05% 15.91%
+1.4% YoY
23.90%
+5.3% YoY
17.09%
+0.8% YoY
Top 2.8% in tier
Non-Interest Income / Assets ? 0.22%
-6.4% YoY +163.5% QoQ
-0.34% 0.57%
+7.6% YoY
0.52%
+23.2% YoY
0.66%
+5.2% YoY
56%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Noninterest-Bearing 32.8%
-0.6pp YoY
-2.4pp QoQ
 +10.7pp 22.1% 22.1% 22.2% 87%
Brokered Deposits 1.7%
-3.7pp YoY
0.0pp QoQ
 -6.2pp 7.9% 8.0% 8.5% 26%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
C&I 0.0%
0.0pp YoY
0.0pp QoQ
 -11.6pp 11.6% 11.0% 12.5% 0%
CRE n/a n/a 39.5% 46.2% 41.4% n/a
1-4 Family 84.2%
-1.8pp YoY
-0.9pp QoQ
 +51.6pp 32.6% 36.6% 31.3% 97%
Consumer 0.0%
0.0pp YoY
0.0pp QoQ
 -4.1pp 4.1% 5.1% 5.0% 2%

Capital

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
CET1 Ratio 34.0%
+1.1pp YoY
+0.5pp QoQ
 +15.1pp 18.8% 26.1% 19.7% 95%
Leverage Ratio 16.3%
+0.5pp YoY
-0.1pp QoQ
 +4.2pp 12.2% 13.9% 12.6% 91%
Total Capital Ratio 35.3%
+1.1pp YoY
+0.5pp QoQ
 +15.3pp 19.9% 27.2% 20.8% 95%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Full-Time Employees 71
-6 (-7.8%) YoY
-3 (-4.1%) QoQ
 +12 58 914 482 72%
Assets per Employee ($) $4.5M
+6.1% YoY
+4.7% QoQ
 -$3.0M $7.5M $14.8M $8.8M 8%
Branch Count 5
0 YoY
0 QoQ
 0 4 27 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 0.5%
0.0pp YoY
0.0pp QoQ
 -0.5pp 0.9% 1.3% 1.0% 51%
Allowance Coverage 2.51x
+27.4% YoY
+31.0% QoQ
 -21.64x 24.15x 1.92x 20.23x 54%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
ROE 1.5%
-1.3pp YoY
+0.1pp QoQ
 -10.7pp 12.2% 7.9% 11.6% 5%
Cost of Funds (YTD) 1.2%
-0.2pp YoY
0.0pp QoQ
 -0.5pp 1.7% 1.8% 1.7% 18%
Net Income ($, YTD) $423,000
-45.7% YoY
— QoQ
 -$2.1M $2.6M $111.2M $40.4M 9%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (4)

Liquidity Overhang

risk
#32 of 742 • Bottom 4.2% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 33.96%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 93.85%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Liquidity Strain

risk
#42 of 691 • Bottom 5.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 93.85%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#173 of 535 • Bottom 32.2% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Efficiency Drag

risk
#125 of 361 • Bottom 34.3% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 91.76%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

76
Tier 1 Capital Ratio
capital
Value: 33.96%
Peer Median: 15.91%
#76 of 2643 Top 2.8% in $100M-$1B
342
Non-Interest-Bearing Deposit Share
funding
Value: 32.83%
Peer Median: 22.03%
#342 of 2643 Top 12.9% in $100M-$1B
533
Net Interest Margin
profitability
Value: 4.50%
Peer Median: 3.99%
#533 of 2643 Top 20.1% in $100M-$1B

Top Weaknesses (3 metrics)

2519
Efficiency Ratio
profitability
Value: 91.76%
Peer Median: 64.48%
#2519 of 2643 Bottom 4.7% in $100M-$1B
2466
Return on Assets
profitability
Value: 0.27%
Peer Median: 1.32%
#2466 of 2643 Bottom 6.7% in $100M-$1B
2159
Loan-to-Deposit Ratio
liquidity
Value: 93.85%
Peer Median: 77.95%
#2159 of 2643 Bottom 18.4% in $100M-$1B
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