Southfield, MI · Cert 57418
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 14.10% | 21.71% | 22.91% | 23.30% | 22.12% | 25.31% | 19.93% | 25.26% | +196 bps | |
| Return on Equity | 16.99% | 27.48% | 29.00% | 27.77% | 26.15% | 31.81% | 25.86% | 30.65% | +288 bps | |
| Net Interest Margin | 3.83% | 3.94% | 3.55% | 3.70% | 3.40% | 3.49% | 3.00% | 3.30% | -39 bps | |
| Efficiency Ratio | 83.01% | 75.31% | 74.13% | 73.57% | 75.49% | 73.61% | 79.71% | 75.21% | +163 bps | |
| Non-Interest Burden | -13.62% | -24.28% | -25.82% | -26.39% | -23.79% | -29.63% | -22.44% | -29.41% | -302 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.19% | 9.15% | 11.69% | 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 | 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 | 82.73% | 78.39% | 82.84% | 87.24% | 84.85% | 75.52% | 80.24% | 86.90% | -34 bps | |
| Total Risk-Based Capital | 6367% | 13681% | 16244% | 17057% | 16372% | 15957% | 17579% | 19187% | +212,967 bps | |
| Equity / Assets | 79.12% | 78.84% | 79.10% | 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 | n/a | n/a | n/a |
| Liquid Assets / Assets | 1.32% | 1.35% | 1.26% | 1.19% | 1.02% | 1.17% | 1.21% | 1.21% | +2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |