Newport News, VA · Cert 35248
FDIC
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 9.97% | 7.35% | 9.55% | 13.73% | 10.11% | +14 bps | |
| Return on Equity | 10.65% | 7.83% | 10.20% | 15.21% | 11.57% | +91 bps | |
| Net Interest Margin | 2.84% | 2.94% | 2.89% | 2.91% | 2.98% | +14 bps | |
| Efficiency Ratio | 86.66% | 89.97% | 86.63% | 78.28% | 82.76% | -390 bps | |
| Non-Interest Burden | -9.81% | -6.73% | -8.62% | -14.89% | -9.46% | +36 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.14% | -8.72% | 9.20% | 18.42% | 26.20% | +3,334 bps | |
| Loan Growth (YoY) | 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 |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 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 |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | 96.16% | 98.94% | 93.22% | 93.99% | 87.10% | -906 bps | |
| Total Risk-Based Capital | 378% | 448% | 407% | 156.84% | 360% | -1,842 bps | |
| Equity / Assets | 93.42% | 94.60% | 92.49% | 88.14% | 82.50% | -1,092 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |