Wilmington, DE · Cert 57047
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 8.06% | 8.16% | 8.22% | 7.78% | 7.44% | 7.68% | 7.31% | 9.12% | +133 bps | |
| Return on Equity | 8.23% | 8.32% | 8.39% | 7.94% | 7.58% | 7.82% | 7.44% | 9.27% | +133 bps | |
| Net Interest Margin | 5.19% | 4.99% | 4.32% | 4.28% | 4.27% | 4.16% | 3.69% | 3.65% | -63 bps | |
| Efficiency Ratio | 12.35% | 12.56% | 9.08% | 12.61% | 15.37% | 16.26% | 16.12% | 4.80% | -781 bps | |
| Non-Interest Burden | -5.46% | -5.52% | -6.73% | -6.04% | -5.56% | -5.75% | -6.72% | -8.45% | -241 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.80% | 8.64% | 8.56% | 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 | 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 | 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 | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | 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 | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 99.05% | 99.01% | 99.15% | 98.84% | 99.18% | 99.56% | 99.25% | 99.77% | +94 bps | |
| Total Risk-Based Capital | 481% | 489% | 487% | 489% | 493% | 490% | 487% | 488% | -97 bps | |
| Equity / Assets | 97.85% | 98.19% | 97.67% | 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 | n/a | n/a | n/a |
| Liquid Assets / Assets | 93.42% | 94.48% | 93.99% | 94.51% | 94.86% | 94.36% | 94.43% | 94.57% | +6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |