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Letter portraitLegal landscapeQuarterYTD

Gibbons and Reed Employees

Salt Lake City, UT · Charter 14917

NCUA · 1 branch

Q2 2026

$6.5MAssets
$1.6MLoans
$5.3MShares
$1.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.87%, down 63 bps year over year; NIM at 3.77%.
  • Asset quality: problem loans at 1.47% of loans (+147 bps YoY).
  • Capital: net worth / assets of 17.64%, up 60 bps from a year ago.
  • Funding: loans stand at 30.85% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.87%-63 bps YoY

Net Interest Margin (quarter, annualized)

3.77%-28 bps YoY

Efficiency Ratio (quarter, annualized)

73.77%+937 bps YoY

Net Worth / Assets

17.64%+60 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.25%1.03%2.06%1.50%1.59%1.02%0.78%0.87%-63 bps
Return on Equity7.90%6.19%11.99%8.81%9.45%5.79%4.36%4.92%-389 bps
Net Interest Margin4.10%4.28%4.29%4.05%3.83%3.64%3.89%3.77%-28 bps
Efficiency Ratio63.31%66.21%56.14%64.40%61.97%73.00%77.04%73.77%+937 bps
Growth
Asset Growth (YoY)0.51%3.65%4.38%3.02%1.84%0.78%0.00%0.47%-255 bps
Loan Growth (YoY)-7.97%-11.72%-21.32%-26.22%-16.30%-14.05%-6.77%5.81%+3,203 bps
Share Growth (YoY)-0.83%3.10%3.87%2.32%0.80%-0.33%-1.01%-0.42%-274 bps
Asset Quality
Delinquent Loans / Loans0.19%1.26%1.75%0.00%0.51%0.52%1.53%1.47%+147 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.88%16.68%17.21%17.04%16.83%17.57%17.92%17.64%+60 bps
Net Worth / Assets15.88%16.68%17.21%17.04%16.83%17.57%17.92%17.64%+60 bps
Liquidity & Funding
Loans / Shares36.57%36.44%32.17%29.04%30.37%31.42%30.30%30.85%+182 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps