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Letter portraitLegal landscapeQuarterYTD

High Street Baptist Church

Roanoke, VA · Charter 11986

NCUA · 1 branch

Q2 2026

$2.5MAssets
$576KLoans
$2.2MShares
$373KNet Worth

Executive Summary

  • Earnings: ROA of 1.05%, down 30 bps year over year; NIM at 2.82%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 14.67%, up 20 bps from a year ago.
  • Funding: loans stand at 26.59% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.05%-30 bps YoY

Net Interest Margin (YTD, annualized)

2.82%-24 bps YoY

Efficiency Ratio (YTD, annualized)

62.91%+690 bps YoY

Net Worth / Assets

14.67%+20 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.34%2.21%0.77%1.35%1.35%1.25%1.39%1.05%-30 bps
Return on Equity17.51%15.97%5.45%9.30%9.08%8.37%9.40%7.15%-215 bps
Net Interest Margin4.01%4.00%3.11%3.05%2.97%3.04%2.91%2.82%-24 bps
Efficiency Ratio41.55%44.85%75.14%56.01%54.48%59.09%52.21%62.91%+690 bps
Growth
Asset Growth (YoY)4.54%0.61%-1.87%-1.68%-0.37%1.44%5.75%6.63%+832 bps
Loan Growth (YoY)18.36%8.10%-0.57%0.43%-13.00%-19.82%10.12%6.13%+570 bps
Share Growth (YoY)2.52%-2.01%-4.30%-3.90%-2.12%0.19%4.72%6.37%+1,027 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.70%1.77%2.05%1.84%1.95%2.21%1.86%1.73%-11 bps
Capital
Risk-Based Capital13.39%13.81%14.16%14.47%14.90%14.88%14.79%14.67%+20 bps
Net Worth / Assets13.39%13.81%14.16%14.47%14.90%14.88%14.79%14.67%+20 bps
Liquidity & Funding
Loans / Shares28.65%27.59%24.18%26.65%25.46%22.08%25.43%26.59%-6 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps