Bethesda, MD · Cert 32363 · Cleveland Family Generational Tr I
State savings bank · OCC · 11 branches
Q2 2026
Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2026 SOD (annual) · 0.3% share · #28 of 71 inst. · $0.9B of $301.4B
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 | 0.44% | 0.38% | 0.29% | 0.96% | 0.15% | 0.39% | 0.13% | 0.85% | -11 bps | |
| Return on Equity | 5.23% | 4.41% | 3.24% | 10.69% | 1.67% | 4.54% | 1.53% | 9.42% | -127 bps | |
| Net Interest Margin | 2.96% | 3.10% | 3.11% | 3.16% | 3.04% | 2.95% | 3.14% | 3.42% | +26 bps | |
| Efficiency Ratio | 89.58% | 93.12% | 88.82% | 81.26% | 92.62% | 89.66% | 90.86% | 85.39% | +413 bps | |
| Non-Interest Burden | 2.37% | 2.71% | 2.43% | 1.83% | 2.61% | 2.35% | 2.58% | 2.34% | +51 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.43% | 4.53% | -0.69% | 3.03% | 2.21% | 8.51% | 6.89% | -0.63% | -367 bps | |
| Loan Growth (YoY) | 13.52% | 0.77% | -2.44% | 2.63% | 0.69% | 2.17% | 3.17% | -6.64% | -927 bps | |
| Deposit Growth (YoY) | 12.86% | 8.30% | 15.13% | 29.83% | 21.61% | 18.34% | 7.09% | -0.56% | -3,038 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.77% | 0.95% | 1.22% | 1.11% | 1.12% | 1.54% | 1.60% | 1.64% | +52 bps | |
| Net Charge-Offs / Loans | 0.50% | 0.30% | 0.23% | 0.24% | 0.26% | 0.13% | 0.13% | 0.05% | -19 bps | |
| Allowance / Loans | 0.97% | 0.96% | 1.00% | 0.88% | 0.90% | 0.91% | 0.99% | 0.97% | +9 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.0x | 0.8x | 0.8x | 0.8x | 0.6x | 0.6x | 0.6x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.13% | 9.38% | 9.58% | 9.47% | 9.04% | 8.88% | 9.12% | 9.63% | +17 bps | |
| Total Risk-Based Capital | 13.14% | 13.66% | 13.77% | 13.47% | 13.79% | 14.15% | 14.12% | 14.75% | +127 bps | |
| Equity / Assets | 8.46% | 8.82% | 9.13% | 8.80% | 8.70% | 8.61% | 8.91% | 9.20% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.15% | 96.35% | 90.81% | 93.01% | 86.24% | 83.18% | 87.48% | 87.32% | -569 bps | |
| Liquid Assets / Assets | 12.91% | 12.05% | 10.36% | 9.18% | 15.20% | 18.01% | 14.49% | 14.97% | +579 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 396% | 382% | 377% | n/a | n/a | |