Kalamazoo, MI · Cert 34935
FDIC
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 32.88% | 72.47% | 16.94% | 16.49% | 26.26% | 22.28% | -5,019 bps | |
| Return on Equity | 40.03% | 89.82% | 21.57% | 20.60% | 31.81% | 28.98% | -6,084 bps | |
| Net Interest Margin | 1.95% | 2.64% | 2.78% | 2.92% | 2.06% | 3.02% | +37 bps | |
| Efficiency Ratio | 78.17% | 54.12% | 82.71% | 85.20% | 79.16% | 81.62% | +2,750 bps | |
| Non-Interest Burden | -34.16% | -103.05% | -22.66% | -18.40% | -32.35% | -25.70% | +7,735 bps | |
| Growth | ||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | -0.02% | -10.47% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||
| Tier 1 Leverage Ratio | 90.13% | 99.18% | 93.26% | 72.49% | 86.86% | 75.92% | -2,326 bps | |
| Total Risk-Based Capital | 90.13% | 99.18% | 93.26% | 72.49% | 86.86% | 75.92% | -2,326 bps | |
| Equity / Assets | 82.14% | 79.47% | 77.61% | 83.37% | 81.78% | 72.34% | -713 bps | |
| Liquidity & Funding | ||||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 33.19% | 28.43% | 45.57% | 24.91% | 29.67% | 28.21% | -22 bps | |
| CRE / Total Capital | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |