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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.09% | 0.16% | -0.26% | -1.21% | -0.07% | -0.49% | 0.14% | 0.00% | +121 bps | |
| Return on Equity | 0.33% | 0.55% | -0.90% | -4.29% | -0.27% | -1.82% | 0.52% | 0.01% | +430 bps | |
| Net Interest Margin | 2.46% | 2.51% | 2.54% | 2.66% | 2.62% | 2.62% | 2.80% | 2.61% | -5 bps | |
| Efficiency Ratio | 109.96% | 92.60% | 106.99% | 157.37% | 102.91% | 119.22% | 93.83% | 99.95% | -5,742 bps | |
| Non-Interest Burden | 2.71% | 2.32% | 2.72% | 4.21% | 2.69% | 3.14% | 2.63% | 2.61% | -159 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.16% | 2.83% | 3.34% | 1.77% | 9.50% | 4.31% | 7.57% | 10.46% | +868 bps | |
| Loan Growth (YoY) | 4.68% | 2.76% | 0.32% | -1.69% | -1.13% | -1.22% | -1.74% | -1.65% | +4 bps | |
| Deposit Growth (YoY) | -4.46% | 0.25% | 0.51% | 1.46% | 13.62% | 8.90% | 10.49% | 15.12% | +1,366 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.75% | 0.75% | 0.81% | 0.81% | 0.81% | 0.81% | 0.82% | 0.82% | +1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 1.3x | 1.4x | 1.3x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 29.07% | 28.86% | 28.51% | 27.96% | 27.26% | 26.60% | 26.28% | 25.86% | -210 bps | |
| Total Risk-Based Capital | 53.11% | 52.26% | 28.51% | 27.96% | 27.26% | 26.60% | 26.28% | 25.86% | -210 bps | |
| Equity / Assets | 29.44% | 28.44% | 28.27% | 27.96% | 26.52% | 26.74% | 25.83% | 25.16% | -281 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 124.08% | 121.27% | 117.24% | 117.19% | 107.96% | 109.99% | 104.27% | 100.12% | -1,707 bps | |
| Liquid Assets / Assets | 20.21% | 22.89% | 24.15% | 22.79% | 20.04% | 17.45% | 19.49% | 18.26% | -453 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 14.49% | 14.09% | 13.89% | n/a | n/a | |