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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · New York, the state note

Hanover Community Bank

Garden City Park, New York · $2.33B in assets · beside the 11 other New York banks between $1B and $3B

The filing

1.42%
NPA / loans
11th of 12
10.1%
Equity / assets
10th of 11
0.66%
ROA
10th of 11

Hanover Community Bank is the seventh largest of the 12 New York banks nearest its size between $1B and $3B, with $2.33B in assets at 30 June 2026. Loans are 99.4% of deposits, 8th of 11 against a median of 94.1%, and equity is 10.1% of assets, 10th of 11. Loans grew +1.2% in the year, 10th of 12, and deposits grew 3.2%; the cohort's median loan growth is +9.0%.

Noncurrent loans are 1.42% of the book, 11th of 12 against a median of 0.48%; 0.75% is 30 to 89 days past due, and the allowance covers them 0.7 times. Commercial real estate is 40.7% of loans, 7th of 12 against a median of 39.5%, and 346% of capital, above the 300% screen, with construction at 4% against the 100% screen.

Return on assets is 0.66%, 10th of 11 against a median of 1.09%, on an efficiency ratio of 72.1%, 8th of 11. Five years ago it was 0.48%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 13.4% of loans).

Nonperforming loans, share of loansNY banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 0.48% AI Allied Irish Banks 0.00% MB Mizuho Bank USA 0.00% NC Northeast Community Bank 0.00% EB Esquire Bank National Association 0.27% CC Chemung Canal Trust Co. 0.38% PB Pioneer Bank National Association 0.48% LN Lyons National Bank 0.48% SB Shinhan Bank America 0.57% OB Orange Bank & Trust Co. 1.12% MF Maspeth Federal Savings & Loan Association 1.22% HC Hanover Community Bank 1.42% IB Interaudi Bank 2.36%
Loans, year over yearNY banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +9.0% AI Allied Irish Banks +43.9% EB Esquire Bank National Association +27.6% PB Pioneer Bank National Association +21.2% SB Shinhan Bank America +14.8% IB Interaudi Bank +11.3% CC Chemung Canal Trust Co. +11.0% NC Northeast Community Bank +6.9% LN Lyons National Bank +4.1% OB Orange Bank & Trust Co. +2.9% HC Hanover Community Bank +1.2% MF Maspeth Federal Savings & Loan Association +0.5% MB Mizuho Bank USA -83.6%

SBA 7(a), FY2008 to FY2026

Hanover Community Bank is the 17th largest 7(a) lender into New York of 402, with $258M across 214 loans, 1.3% of everything approved in the state (Manufacturers and Traders Trust Company leads with $1.26B). 37 of its 217 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in New York, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Nassau, NY$43M9th of 1712.6%+2.6 pts
New York, NY$36M18th of 2081.3%-2.0 pts
Kings, NY$36M18th of 1691.4%-0.5 pts
Suffolk, NY$32M16th of 1741.8%+3.1 pts
Middlesex, NJ$32M7th of 1502.5%-2.1 pts
Monmouth, NJ$26M8th of 1602.5%-2.0 pts
Union, NJ$21M9th of 1402.5%-4.8 pts
Bronx, NY$20M8th of 1083.1%-8.0 pts
Burlington, NJ$20M7th of 1262.7%+5.2 pts
Ocean, NJ$18M9th of 1192.2%-4.0 pts
Somerset, NJ$16M7th of 1172.9%+1.6 pts
Bergen, NJ$16M27th of 1610.9%-0.9 pts
Capitol, CT$15M11th of 1012.8%-6.9 pts
204 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services211$423M47.7%0.55%47th of 2,596
Retail trade100$114M12.9%0.19%96th of 2,589
Other services54$48M5.4%0.14%125th of 2,248
Health care & social assistance61$46M5.2%0.10%143rd of 2,172
Professional & technical services44$39M4.4%0.12%115th of 1,955
7(a) lenders into New York, share of approvals since FY2008402 lenders on record; the ten largest and Hanover Community Bank
Ma Manufacturers and Traders Trust C… 6.5% $1.26B · 10,321 loans N Newbank 6.4% $1.24B · 1,163 loans JC JPMorgan Chase Bank, National Ass… 5.6% $1.09B · 8,716 loans TB TD Bank, National Association 5.5% $1.07B · 8,357 loans LO Live Oak Banking Company 4.0% $774M · 638 loans KN KeyBank National Association 3.7% $717M · 3,387 loans NS Newtek Small Business Finance, In… 2.9% $571M · 760 loans FB Finwise Bank 2.8% $542M · 476 loans Bo Bank of Hope 2.7% $518M · 1,174 loans DC Dime Commercial Bank 2.6% $507M · 575 loans HC Hanover Community Bank 1.3% $258M · 214 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
Hanover Community BankRankCohort median
Total CRE against capital, the 300% screen346%8th of 11241%
Construction against capital, the 100% screen4%4th of 1122%
Construction and land development, share of loans0.5%5th of 122.8%
Non-owner-occupied nonfarm nonresidential, share of loans11.9%5th of 1112.6%
Total CRE, the guidance definition, share of loans40.7%7th of 1239.5%
CRE growth over 36 months, the third prong-12.7%1st of 10+36.7%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Chemung Canal Trust Co.$2.82B1.4%58.1%0.38%0.01%1.1%99.9%10.8%
Orange Bank & Trust Co.$2.79B1.9%54.6%1.12%0.05%1.3%80.7%11.1%
Interaudi Bank$2.68B1.2%53.8%2.36%0.00%0.6%70.0%10.1%
Esquire Bank National Association$2.49B2.3%45.3%0.27%0.52%1.3%86.5%11.2%
Allied Irish Banks$2.43Bno recordno record0.00%no recordno recordno recordno record
Pioneer Bank National Association$2.34B0.7%76.9%0.48%0.16%1.5%94.5%12.2%
Hanover Community Bank$2.33B0.7%72.1%1.42%0.06%1.0%99.4%10.1%
Shinhan Bank America$2.23B0.6%74.5%0.57%-0.01%0.7%94.1%11.6%
Maspeth Federal Savings & Loan Association$2.21B1.1%59.3%1.22%0.00%0.9%140.1%34.9%
Mizuho Bank USA$2.14B1.0%93.1%0.00%0.00%0.4%23.0%14.9%
Lyons National Bank$2.13B1.1%59.7%0.48%0.04%1.5%81.0%7.7%
Northeast Community Bank$2.11B2.1%39.8%0.00%0.06%0.2%124.2%16.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Hanover Community BankCohort median
20212026Change20212026Change
Loans$1.30B$2.00B+54%$1.20B$1.90B+59%
Deposits$1.16B$2.01B+73%$1.51B$1.97B+31%
NPA / loans0.84%1.42%+0.58 pts0.49%0.48%-0.01 pts
Efficiency82.3%72.1%-10.2 pts66.0%59.3%-6.8 pts
ROA0.48%0.66%+0.19 pts0.78%1.09%+0.32 pts

This read was prepared for Hanover Community Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Hanover Community Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort NY banks $1B to $3B
Institution www.hanoverbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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