Wilmington, DE · Cert 57337
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 | 48.29% | 52.31% | 54.92% | 53.52% | 49.75% | +146 bps | |
| Return on Equity | 62.37% | 70.34% | 73.62% | 70.82% | 66.45% | +408 bps | |
| Net Interest Margin | 3.28% | 3.12% | 4.11% | 2.96% | 2.72% | -56 bps | |
| Efficiency Ratio | 48.24% | 47.78% | 47.42% | 47.74% | 48.24% | 0 bps | |
| Non-Interest Burden | -57.69% | -52.37% | -74.40% | -69.38% | -59.91% | -222 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.38% | 13.27% | 9.88% | 13.69% | 15.58% | +420 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 | 85.07% | 46.01% | 79.03% | 84.20% | 82.94% | -213 bps | |
| Total Risk-Based Capital | 263% | 192.07% | 222% | 250% | 243% | -2,034 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | n/a | n/a | n/a | n/a | n/a | n/a |