ESL
CURochester, NY
Total Assets
$10.6B
—
Total Loans
$4.5B
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ESL in NY reported a Texas ratio of 2.2% in Q1 2026, down -0.5pp from the prior quarter. Nonperforming assets declined to 0.81%, a decrease of -0.21pp.
Portfolio composition
| Category | Balance | % of total | NPL % | Charge-off % |
|---|---|---|---|---|
| 1-4 family — 1st lien | $1.1B | 23.6% | — | — |
| 1-4 family — junior lien | $511M | 11.3% | — | — |
| Multifamily | $214M | 4.7% | — | — |
| FOUNDATION Consumer Auto New — Unlock to view | ||||
| FOUNDATION Consumer Auto Used — Unlock to view | ||||
| FOUNDATION Consumer Credit Card — Unlock to view | ||||
| FOUNDATION Consumer Other Unsecured — Unlock to view | ||||
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20-quarter trend panels
See how Texas Ratio, NPL %, and charge-offs evolved across the last 5 years.
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Peer cohort comparison
Benchmark against banks in the same size and geography cohort.
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Full portfolio composition
Every loan category, NPL ratio, and charge-off rate — beyond the top 3.