New Castle, DE · Cert 25677
NC
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.98% | -2.94% | 6.32% | 1.62% | 2.19% | -180 bps | |
| Return on Equity | 4.25% | -3.12% | 6.69% | 1.71% | 2.31% | -194 bps | |
| Net Interest Margin | 2.24% | 1.53% | 1.23% | 0.19% | 0.10% | -214 bps | |
| Efficiency Ratio | 88.62% | 111.88% | 73.26% | -1.10% | 38.96% | -4,966 bps | |
| Non-Interest Burden | -2.80% | 5.27% | -6.56% | -4.13% | -2.77% | +3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.35% | -5.75% | 5.55% | -4.79% | -4.68% | -502 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 94.29% | 92.04% | 105.05% | 88.57% | 92.72% | -157 bps | |
| Total Risk-Based Capital | 478% | 493% | 486% | 481% | 483% | +477 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |