Saint Thomas, VI · Cert 58184
State charter, non-member · FDIC · 2 branches
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 | 1.74% | 1.67% | 1.36% | 1.42% | 1.44% | 1.41% | 1.49% | 1.50% | +8 bps | |
| Return on Equity | 47.60% | 46.11% | 36.65% | 39.78% | 36.49% | 32.64% | 27.32% | 26.07% | -1,371 bps | |
| Net Interest Margin | 3.74% | 3.64% | 3.19% | 3.00% | 3.09% | 3.11% | 3.28% | 3.28% | +29 bps | |
| Efficiency Ratio | 44.28% | 45.42% | 50.34% | 49.80% | 49.49% | 50.22% | 49.58% | 49.76% | -4 bps | |
| Non-Interest Burden | 1.46% | 1.47% | 1.42% | 1.33% | 1.36% | 1.39% | 1.38% | 1.42% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.91% | -6.97% | 3.82% | 0.25% | 7.59% | 4.13% | 7.02% | 4.16% | +391 bps | |
| Loan Growth (YoY) | 8.08% | 6.22% | 4.99% | 11.17% | 13.71% | 18.29% | 18.72% | 18.55% | +738 bps | |
| Deposit Growth (YoY) | -5.85% | -2.79% | 4.85% | 5.89% | 16.70% | 3.41% | 8.02% | 2.34% | -355 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.90% | 2.11% | 2.37% | 2.16% | 2.58% | 2.50% | 1.84% | 1.76% | -41 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.03% | 0.06% | 0.03% | 0.02% | 0.02% | 0.00% | 0.00% | -3 bps | |
| Allowance / Loans | 1.20% | 1.19% | 1.15% | 1.10% | 1.04% | 1.01% | 1.02% | 0.99% | -11 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.6x | 0.5x | 0.5x | 0.4x | 0.4x | 0.6x | 0.6x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.65% | 10.88% | 11.02% | 10.12% | 10.51% | 10.71% | 10.75% | 10.79% | +67 bps | |
| Total Risk-Based Capital | 10.65% | 10.88% | 11.02% | 10.12% | 10.51% | 10.71% | 10.75% | 10.79% | +67 bps | |
| Equity / Assets | 5.27% | 3.54% | 3.84% | 3.33% | 4.99% | 5.81% | 5.15% | 6.31% | +298 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.07% | 51.82% | 49.84% | 51.95% | 54.64% | 59.28% | 54.77% | 60.18% | +823 bps | |
| Liquid Assets / Assets | 0.25% | 3.84% | 6.03% | 2.29% | 3.21% | 0.85% | 4.59% | 1.18% | -112 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 180.28% | 175.13% | 178.41% | n/a | n/a | |