Wilmington, DE · Cert 57047
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 7.33% | 6.77% | 8.40% | 7.31% | 10.88% | +354 bps | |
| Return on Equity | 7.49% | 6.87% | 8.52% | 7.44% | 11.07% | +358 bps | |
| Net Interest Margin | 4.34% | 4.36% | 4.04% | 3.69% | 3.70% | -64 bps | |
| Efficiency Ratio | 16.18% | 20.95% | 18.59% | 16.12% | -5.51% | -2,169 bps | |
| Non-Interest Burden | -5.50% | -4.75% | -6.62% | -6.72% | -10.33% | -483 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.32% | 7.30% | 7.73% | 7.61% | 8.48% | +17 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 | 98.84% | 99.18% | 99.56% | 99.25% | 99.77% | +94 bps | |
| Total Risk-Based Capital | 489% | 493% | 490% | 487% | 488% | -97 bps | |
| Equity / Assets | 98.29% | 98.63% | 98.56% | 97.90% | 98.61% | +33 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 94.51% | 94.86% | 94.36% | 94.43% | 94.57% | +6 bps | |
| CRE / Total Capital | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |