Southfield, MI · Cert 57418
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 | 23.33% | 22.57% | 23.66% | 19.93% | 22.93% | -40 bps | |
| Return on Equity | 28.36% | 27.57% | 29.16% | 25.86% | 28.30% | -6 bps | |
| Net Interest Margin | 3.59% | 3.32% | 3.48% | 3.00% | 3.16% | -44 bps | |
| Efficiency Ratio | 73.85% | 74.43% | 74.20% | 79.71% | 77.40% | +355 bps | |
| Non-Interest Burden | -25.88% | -23.65% | -25.99% | -22.44% | -25.96% | -9 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.93% | 12.75% | 5.46% | 7.76% | 3.96% | -697 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 | 87.24% | 84.85% | 75.52% | 80.24% | 86.90% | -34 bps | |
| Total Risk-Based Capital | 17057% | 16372% | 15957% | 17579% | 19187% | +212,967 bps | |
| Equity / Assets | 88.93% | 80.87% | 78.13% | 76.07% | 89.29% | +36 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 1.19% | 1.02% | 1.17% | 1.21% | 1.21% | +2 bps | |
| CRE / Total Capital | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |