Wilmington, DE · Cert 58011
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 | 57.17% | 68.67% | 62.31% | 55.06% | 70.94% | 71.33% | 58.02% | 65.43% | +1,037 bps | |
| Return on Equity | 66.07% | 79.55% | 73.11% | 63.74% | 79.97% | 80.58% | 66.22% | 73.54% | +980 bps | |
| Net Interest Margin | 2.80% | 2.66% | 2.49% | 2.52% | 2.55% | 2.56% | 2.39% | 2.28% | -24 bps | |
| Efficiency Ratio | 59.83% | 53.16% | 57.38% | 62.10% | 51.60% | 54.33% | 64.37% | 58.68% | -342 bps | |
| Non-Interest Burden | -71.92% | -75.98% | -77.34% | -66.17% | -87.88% | -85.04% | -70.46% | -83.53% | -1,736 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.18% | 6.32% | 11.05% | 6.52% | 9.59% | 16.36% | 3.94% | 17.04% | +1,052 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 | 85.84% | 63.23% | 81.31% | 75.25% | 87.27% | 73.50% | 78.17% | 86.33% | +1,108 bps | |
| Total Risk-Based Capital | 85.84% | 63.23% | 81.31% | 75.25% | 87.27% | 73.50% | 78.17% | 86.33% | +1,108 bps | |
| Equity / Assets | 86.18% | 86.49% | 84.14% | 88.81% | 88.63% | 88.39% | 86.86% | 90.99% | +218 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | |
| Liquid Assets / Assets | 62.24% | 55.05% | 63.98% | 56.05% | 63.99% | 21.20% | 12.79% | 11.56% | -4,449 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |