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 (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 | 0.58% | 0.36% | 0.46% | 1.43% | 1.60% | 1.38% | 1.75% | 1.90% | +48 bps | |
| Return on Equity | 5.31% | 3.36% | 4.14% | 12.71% | 14.11% | 12.12% | 15.29% | 16.57% | +386 bps | |
| Net Interest Margin | 5.49% | 5.31% | 5.86% | 6.00% | 6.04% | 5.87% | 6.15% | 5.97% | -3 bps | |
| Efficiency Ratio | 65.93% | 64.56% | 64.68% | 62.17% | 60.57% | 63.01% | 73.08% | 75.04% | +1,287 bps | |
| Non-Interest Burden | 2.88% | 2.50% | 2.89% | 2.44% | 2.11% | 2.37% | 3.78% | 3.78% | +134 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 | 3.58% | 3.18% | 3.41% | 2.11% | 2.06% | 2.46% | 2.30% | 1.93% | -19 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 | |