Dearborn, MI · Cert 29874
State savings bank · OCC · 5 branches
Q2 2026
Market Position · Detroit-Warren-Dearborn, MI · 2026 SOD (annual) · 0.1% share · #23 of 37 inst. · $0.2B of $183.9B
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 | -0.73% | -0.51% | -0.50% | 0.14% | 0.07% | +80 bps | |
| Return on Equity | -2.59% | -1.82% | -1.82% | 0.52% | 0.26% | +286 bps | |
| Net Interest Margin | 2.59% | 2.56% | 2.54% | 2.80% | 2.69% | +9 bps | |
| Efficiency Ratio | 132.82% | 122.59% | 121.71% | 93.83% | 96.82% | -3,600 bps | |
| Non-Interest Burden | 3.45% | 3.14% | 3.10% | 2.63% | 2.60% | -85 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.77% | 9.50% | 4.31% | 7.57% | 10.46% | +868 bps | |
| Loan Growth (YoY) | -1.69% | -1.13% | -1.22% | -1.74% | -1.65% | +4 bps | |
| Deposit Growth (YoY) | 1.46% | 13.62% | 8.90% | 10.49% | 15.12% | +1,366 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.61% | 0.57% | 0.64% | +64 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.81% | 0.81% | 0.81% | 0.82% | 0.82% | +1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 1.3x | 1.4x | 1.3x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 27.96% | 27.26% | 26.60% | 26.28% | 25.86% | -210 bps | |
| Total Risk-Based Capital | 27.96% | 27.26% | 26.60% | 26.28% | 25.86% | -210 bps | |
| Equity / Assets | 27.96% | 26.52% | 26.74% | 25.83% | 25.16% | -281 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 117.19% | 107.96% | 109.99% | 104.27% | 100.12% | -1,707 bps | |
| Liquid Assets / Assets | 22.79% | 20.04% | 17.45% | 19.49% | 18.26% | -453 bps | |
| CRE / Total Capital | n/a | 14.49% | 14.09% | 13.89% | n/a | n/a | |