ESL
CURochester, NY
Total Assets
$10.8B
—
Total Loans
$4.6B
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ESL in NY reported a Texas Ratio of 2.3% in Q2 2026, up +0.2pp from the prior quarter. Nonperforming assets increased +0.09pp to 0.90%.
Portfolio composition
| Category | Balance | % of total | NPL % | Charge-off % |
|---|---|---|---|---|
| 1-4 family — 1st lien | $1.1B | 23.2% | — | — |
| 1-4 family — junior lien | $532M | 11.5% | — | — |
| Multifamily | $225M | 4.9% | — | — |
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| 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.