Miami, FL · Cert 18734 · Newtekone Inc.
National charter · OCC · 1 branch
Q2 2026
Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 0.6% share · #28 of 86 inst. · $2.2B of $348.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 6.05% | 6.01% | 1.96% | 2.88% | 3.10% | 2.93% | 4.15% | 4.50% | +162 bps | |
| Return on Equity | 42.52% | 45.45% | 18.15% | 26.42% | 28.45% | 27.65% | 46.20% | 51.57% | +2,515 bps | |
| Net Interest Margin | 4.44% | 3.99% | 4.74% | 5.10% | 4.86% | 4.59% | 4.34% | 4.08% | -102 bps | |
| Efficiency Ratio | 43.49% | 42.38% | 48.12% | 48.37% | 47.81% | 47.95% | 39.97% | 38.28% | -1,009 bps | |
| Non-Interest Burden | -6.05% | -5.26% | -2.40% | -2.64% | -2.27% | -1.72% | -3.59% | -3.55% | -91 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 58.50% | 83.56% | 74.82% | 64.45% | 63.83% | 42.53% | 73.19% | 83.82% | +1,937 bps | |
| Loan Growth (YoY) | 99.74% | 86.25% | 87.22% | 96.91% | 92.51% | 82.90% | 80.43% | 84.89% | -1,202 bps | |
| Deposit Growth (YoY) | 67.84% | 100.92% | 88.87% | 74.26% | 72.25% | 45.05% | 81.36% | 91.89% | +1,763 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.08% | 3.24% | 4.76% | 4.84% | 5.96% | 6.11% | 5.62% | 7.18% | +234 bps | |
| Net Charge-Offs / Loans | 0.59% | 1.04% | 2.19% | 1.84% | 1.61% | 1.67% | 1.86% | 1.33% | -51 bps | |
| Allowance / Loans | 3.95% | 3.91% | 4.13% | 3.84% | 3.56% | 3.20% | 2.77% | 2.57% | -127 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.2x | 0.9x | 0.8x | 0.6x | 0.5x | 0.5x | 0.4x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.30% | 12.05% | 10.46% | 11.37% | 11.19% | 10.27% | 9.09% | 8.66% | -271 bps | |
| Total Risk-Based Capital | 16.79% | 15.56% | 14.64% | 14.24% | 14.26% | 13.40% | 12.35% | 12.79% | -145 bps | |
| Equity / Assets | 13.17% | 10.69% | 10.87% | 11.14% | 10.90% | 9.67% | 8.44% | 8.33% | -281 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.43% | 74.17% | 87.68% | 95.97% | 98.84% | 93.52% | 87.23% | 92.48% | -350 bps | |
| Liquid Assets / Assets | 16.71% | 28.48% | 20.78% | 13.60% | 12.91% | 16.23% | 17.45% | 14.92% | +132 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 413% | 447% | 489% | n/a | n/a | |