Lehi, UT · Cert 32551 · Lendingclub Corp.
National charter · OCC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
71
Asset Quality
24
Profitability
85
Liquidity
8
Efficiency
6
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Lehi, UT · Cert 32551 · Lendingclub Corp.
National charter · OCC · 3 branches
Q2 2026
Market Position · Provo-Orem-Lehi, UT · 2026 SOD (annual) · 38.8% share · #1 of 16 inst. · $10.9B of $28.0B
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 | 0.53% | 0.49% | 0.46% | 0.94% | 1.17% | 1.22% | 1.75% | 1.82% | +88 bps | |
| Return on Equity | 4.74% | 4.38% | 4.14% | 8.41% | 10.35% | 10.81% | 15.29% | 15.94% | +753 bps | |
| Net Interest Margin | 5.07% | 4.95% | 5.86% | 5.91% | 5.88% | 5.63% | 6.15% | 5.92% | 0 bps | |
| Efficiency Ratio | 69.52% | 68.13% | 64.68% | 63.35% | 62.34% | 62.52% | 73.08% | 74.08% | +1,073 bps | |
| Non-Interest Burden | 2.89% | 2.69% | 2.89% | 2.66% | 2.44% | 2.32% | 3.78% | 3.70% | +104 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 32.18% | 21.58% | 14.18% | 13.12% | 1.10% | 9.58% | 14.52% | 17.03% | +390 bps | |
| Loan Growth (YoY) | 5.46% | 4.96% | 4.82% | 12.59% | -2.99% | 12.48% | 18.13% | 16.93% | +433 bps | |
| Deposit Growth (YoY) | 34.74% | 22.76% | 18.19% | 12.69% | -0.15% | 9.12% | 14.02% | 17.24% | +455 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.13% | 1.34% | 1.08% | 0.98% | 0.95% | 0.96% | 0.90% | 0.82% | -16 bps | |
| Net Charge-Offs / Loans | 4.34% | 4.31% | 3.41% | 2.68% | 2.46% | 2.33% | 2.30% | 2.07% | -61 bps | |
| Allowance / Loans | 3.53% | 4.09% | 4.26% | 4.20% | 4.42% | 4.24% | 3.51% | 2.74% | -146 bps | |
| Allowance Coverage of NPLs | 3.1x | 3.1x | 3.9x | 4.3x | 4.7x | 4.4x | 3.9x | 3.3x | -0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.31% | 10.30% | 10.38% | 10.83% | 10.85% | 10.68% | 10.89% | 10.98% | +15 bps | |
| Total Risk-Based Capital | 15.80% | 17.42% | 16.97% | 16.77% | 17.11% | 16.75% | 16.75% | 16.83% | +6 bps | |
| Equity / Assets | 10.51% | 11.22% | 11.12% | 11.30% | 11.44% | 11.38% | 11.50% | 11.45% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.46% | 63.46% | 63.59% | 65.07% | 63.59% | 65.41% | 65.88% | 64.89% | -17 bps | |
| Liquid Assets / Assets | 9.04% | 8.84% | 8.38% | 6.80% | 7.35% | 7.80% | 6.54% | 7.17% | +37 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 39.69% | 39.91% | 39.45% | n/a | n/a | |
Lehi, UT · Cert 32551 · Peer group: banks over $10B in assets (n=142-144) · Lendingclub Corp.
National charter · OCC · 3 branches
Q2 2026
Return on Assets
1.74%
Rank 24 of 144
Net Interest Margin
5.92%
Rank 10 of 144
Efficiency Ratio
74.35%
Rank 136 of 144
Equity / Assets
11.45%
Rank 70 of 144
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.74% | 1.00% | 1.26% | 1.54% | Beats 83% | 24 / 144 | ||
| Return on Equity | 15.23% | 8.98% | 11.34% | 14.40% | Beats 78% | 31 / 144 | ||
| Net Interest Margin | 5.92% | 2.82% | 3.31% | 3.68% | Beats 93% | 10 / 144 | ||
| Efficiency Ratio | 74.35% | 49.42% | 56.02% | 62.41% | Beats 6% | 136 / 144 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.82% | 0.48% | 0.73% | 1.07% | Beats 43% | 82 / 142 | ||
| Net Charge-Offs / Loans | 1.41% | 0.05% | 0.11% | 0.22% | Beats 5% | 136 / 142 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.57% | 12.07% | 12.98% | 14.92% | Beats 81% | 27 / 144 | ||
| Total Risk-Based Capital Ratio | 16.83% | 13.39% | 14.14% | 16.25% | Beats 81% | 27 / 144 | ||
| Equity / Assets | 11.45% | 9.69% | 11.39% | 12.96% | Beats 51% | 70 / 144 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 64.89% | 75.72% | 84.92% | 91.56% | 12th pctl | 126 / 143 | ||
| Loans / Assets | 56.45% | 59.83% | 69.07% | 74.80% | 18th pctl | 118 / 144 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||