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Piermont Bank

$100M-$1B Specialty: Commercial NY FDIC cert 59154

Designations: ✓ Minority Depository Institution

New York, NY

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 +2.4% year over year ($386.4M on the books).
  • Delinquency rate 0.00%.
  • Return on assets -1.96%.
  • Efficiency ratio 159.07% vs a 64.48% peer average.
  • Loan-to-deposit ratio 83.31% 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) →

Piermont Bank has 2 strengths but faces 4 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

  • + Delinquency Rate 0.92% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 12.2% in tier
  • - Liquidity Overhang: Bottom 47.2% in tier
  • - Return on Assets 3.28% below tier average
  • - Net Interest Margin 1.72% below tier average
Get updates when Piermont 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 ? $505.1M
+1.4% YoY +6.5% QoQ
+$118.5M $386.6M
+1.2% YoY
$19.3B
+10.2% YoY
$6.3B
+7.7% YoY
72%
Total Loans ? $321.9M
+10.1% YoY +6.6% QoQ
+$63.6M $258.3M
+1.7% YoY
$8.2B
+12.4% YoY
$3.2B
+9.4% YoY
70%
Total Deposits ? $386.4M
+2.4% YoY +5.8% QoQ
+$59.7M $326.7M
+0.7% YoY
$14.8B
+8.7% YoY
$4.9B
+7.3% YoY
68%
Return on Assets ? -1.96%
-554.2% YoY -0.4% QoQ
-3.28% 1.32%
+10.8% YoY
0.94%
+14.0% YoY
1.30%
+12.1% YoY
Bottom 0.8% in tier
Net Interest Margin ? 2.27%
+2.3% YoY +5.2% QoQ
-1.72% 3.99%
+5.0% YoY
3.52%
+6.2% YoY
3.95%
+4.9% YoY
Bottom 1.6% in tier
Efficiency Ratio ? 159.07%
+58.2% YoY -4.7% QoQ
+94.59% 64.48%
-3.2% YoY
67.96%
-1.8% YoY
70.05%
+2.5% YoY
Bottom 0.4% in tier
Delinquency Rate ? 0.00%
-100.0% YoY -100.0% QoQ
-0.92% 0.92%
+15.7% YoY
1.19%
+15.7% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 83.31%
+7.5% YoY +0.8% QoQ
+5.36% 77.95%
+1.0% YoY
79.34%
+1.1% YoY
79.03%
+2.3% YoY
42%
Non-Interest-Bearing Deposit Share ? 18.67%
+0.6% YoY +13.1% QoQ
-3.36% 22.03%
-0.6% YoY
22.09%
+0.6% YoY
21.98%
-0.6% YoY
39%
Nonperforming Asset Ratio ? 0.00%
-100.0% YoY -100.0% QoQ
-0.67% 0.67%
+16.4% YoY
0.79%
+14.5% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 17.11%
-18.5% YoY -7.9% QoQ
+1.20% 15.91%
+1.4% YoY
23.90%
+5.3% YoY
17.09%
+0.8% YoY
77%
Non-Interest Income / Assets ? 0.16%
-71.0% YoY +59.6% QoQ
-0.41% 0.57%
+7.6% YoY
0.52%
+23.2% YoY
0.66%
+5.2% YoY
38%

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 18.7%
+0.1pp YoY
+2.2pp QoQ
 -3.5pp 22.1% 22.1% 22.2% 39%
Brokered Deposits 12.9%
-8.6pp YoY
-4.6pp QoQ
 +5.0pp 7.9% 8.0% 8.5% 82%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
C&I 7.1%
+4.0pp YoY
+2.3pp QoQ
 -4.5pp 11.6% 11.0% 12.5% 33%
CRE n/a n/a 39.5% 46.2% 41.4% n/a
1-4 Family 4.2%
-1.0pp YoY
-0.3pp QoQ
 -28.4pp 32.6% 36.6% 31.3% 4%
Consumer n/a n/a 4.1% 5.1% 5.0% n/a

Capital

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
CET1 Ratio 11.0%
-3.2pp YoY
-1.0pp QoQ
 -7.8pp 18.8% 26.1% 19.7% 8%
Leverage Ratio 12.7%
-1.2pp YoY
+0.1pp QoQ
 +0.5pp 12.2% 13.9% 12.6% 72%
Total Capital Ratio 17.9%
-4.4pp YoY
-1.5pp QoQ
 -2.0pp 19.9% 27.2% 20.8% 63%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Full-Time Employees 48
+3 (+6.7%) YoY
+1 (+2.1%) QoQ
 -11 58 914 482 50%
Assets per Employee ($) $10.5M
-5.0% YoY
+4.3% QoQ
 +$3.0M $7.5M $14.8M $8.8M 88%
Branch Count 1
0 YoY
0 QoQ
 -4 4 27 18 0%

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 n/a n/a 0.9% 1.3% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 1.92x 20.23x n/a
Net Charge-off Rate (YTD) 0.5%
0.0pp YoY
+0.5pp QoQ
 +0.3pp 0.1% 0.1% 0.2% 93%

Profitability

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
ROE -16.3%
-13.9pp YoY
-0.3pp QoQ
 -28.5pp 12.2% 7.9% 11.6% 1%
Cost of Funds (YTD) 2.4%
-0.1pp YoY
-0.1pp QoQ
 +0.7pp 1.7% 1.8% 1.7% 87%
Net Income ($, YTD) $-4898000.0
-537.8% YoY
— QoQ
 -$7.5M $2.6M $111.2M $40.4M 0%

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 (2)

Efficiency Drag

risk
#45 of 361 • Bottom 12.2% in tier

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

Why this signature
Efficiency Ratio: 159.07%
(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

Liquidity Overhang

risk
#351 of 742 • Bottom 47.2% 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: 17.11%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 83.31%
(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

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)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
600
Tier 1 Capital Ratio
capital
Value: 17.11%
Peer Median: 15.91%
#600 of 2643 Top 22.7% in $100M-$1B

Top Weaknesses (3 metrics)

2634
Efficiency Ratio
profitability
Value: 159.07%
Peer Median: 64.48%
#2634 of 2643 Bottom 0.4% in $100M-$1B
2624
Return on Assets
profitability
Value: -1.96%
Peer Median: 1.32%
#2624 of 2643 Bottom 0.8% in $100M-$1B
2602
Net Interest Margin
profitability
Value: 2.27%
Peer Median: 3.99%
#2602 of 2643 Bottom 1.6% in $100M-$1B
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