Wilmington, DE · Cert 58011
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 | 57.94% | 62.04% | 62.31% | 59.69% | 62.57% | 66.05% | 58.02% | 61.70% | +201 bps | |
| Return on Equity | 67.37% | 72.06% | 73.11% | 69.07% | 71.87% | 75.64% | 66.22% | 69.50% | +43 bps | |
| Net Interest Margin | 2.65% | 2.42% | 2.49% | 2.43% | 2.39% | 2.35% | 2.39% | 2.34% | -9 bps | |
| Efficiency Ratio | 59.82% | 58.07% | 57.38% | 59.77% | 56.87% | 56.17% | 64.37% | 61.51% | +174 bps | |
| Non-Interest Burden | -69.34% | -64.76% | -77.34% | -69.53% | -73.28% | -73.68% | -70.46% | -77.22% | -769 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 | |