Hallandale, FL · Cert 33565 · Desjardins Group the
National charter · OCC · 2 branches
Q2 2026
Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 0.1% share · #53 of 86 inst. · $0.3B of $348.8B
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 | 2.00% | 1.90% | 1.53% | 1.48% | 1.49% | 1.27% | 1.38% | 1.25% | -24 bps | |
| Return on Equity | 11.91% | 11.28% | 8.60% | 8.16% | 8.08% | 6.86% | 7.29% | 6.61% | -154 bps | |
| Net Interest Margin | 4.30% | 4.32% | 4.39% | 4.31% | 4.43% | 4.44% | 4.57% | 4.41% | +10 bps | |
| Efficiency Ratio | 53.49% | 55.09% | 60.92% | 61.45% | 62.57% | 67.46% | 64.88% | 67.43% | +598 bps | |
| Non-Interest Burden | 1.91% | 2.00% | 2.29% | 2.30% | 2.45% | 2.72% | 2.65% | 2.72% | +42 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.73% | 2.98% | -1.17% | 2.24% | -2.03% | -0.25% | 1.51% | 8.00% | +576 bps | |
| Loan Growth (YoY) | 2.23% | 2.32% | 4.40% | 0.95% | -1.04% | 0.53% | -1.81% | 1.66% | +72 bps | |
| Deposit Growth (YoY) | -4.37% | 5.85% | -1.75% | 4.59% | -0.98% | 3.29% | 10.85% | 15.01% | +1,041 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.16% | 0.03% | 0.03% | 0.04% | 0.01% | 0.70% | 0.05% | 0.31% | +26 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 | 1.03% | 1.02% | 1.02% | 1.04% | 1.05% | 1.04% | 1.07% | 1.05% | +1 bps | |
| Allowance Coverage of NPLs | 6.3x | 31.8x | 32.6x | 23.5x | 84.0x | 1.5x | 23.2x | 3.4x | -20.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 17.78% | 17.91% | 18.35% | 18.75% | 19.42% | 19.50% | 19.82% | 19.31% | +56 bps | |
| Total Risk-Based Capital | 17.78% | 17.91% | 18.35% | 18.75% | 19.42% | 19.50% | 19.82% | 19.31% | +56 bps | |
| Equity / Assets | 17.43% | 17.20% | 18.54% | 18.92% | 19.35% | 18.47% | 19.50% | 18.62% | -30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.90% | 97.67% | 110.06% | 104.43% | 102.83% | 95.06% | 97.48% | 92.32% | -1,212 bps | |
| Liquid Assets / Assets | 20.18% | 22.44% | 17.83% | 19.25% | 19.34% | 21.70% | 20.73% | 24.17% | +492 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 5.59% | 5.45% | 5.25% | n/a | n/a | |