Lewes, DE · Cert 58311
State charter, non-member · FDIC · 4 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.44% | 0.46% | 0.51% | 0.52% | 0.52% | +8 bps | |
| Return on Equity | 5.81% | 6.06% | 6.71% | 6.64% | 6.61% | +79 bps | |
| Net Interest Margin | 2.55% | 2.48% | 2.63% | 2.87% | 2.90% | +35 bps | |
| Efficiency Ratio | 77.89% | 77.21% | 76.00% | 75.93% | 75.70% | -218 bps | |
| Non-Interest Burden | 1.94% | 1.88% | 1.96% | 2.14% | 2.15% | +20 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 15.00% | 14.85% | 9.99% | 5.85% | 4.27% | -1,074 bps | |
| Loan Growth (YoY) | 9.68% | 9.39% | 5.02% | 4.20% | 4.88% | -480 bps | |
| Deposit Growth (YoY) | 17.73% | 21.95% | 16.50% | 13.51% | 8.41% | -932 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.02% | 0.03% | 0.26% | 0.25% | 0.24% | +22 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.04% | 0.04% | 0.00% | 0.00% | -7 bps | |
| Allowance / Loans | 0.90% | 0.91% | 0.91% | 0.91% | 0.91% | +1 bps | |
| Allowance Coverage of NPLs | 46.7x | 27.7x | 3.5x | 3.7x | 3.8x | -43.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.50% | 8.05% | 8.35% | 8.60% | 8.58% | +9 bps | |
| Total Risk-Based Capital | 13.00% | 12.95% | 13.27% | 13.27% | 12.98% | -2 bps | |
| Equity / Assets | 7.54% | 7.67% | 7.78% | 8.03% | 7.69% | +15 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 100.74% | 96.43% | 97.23% | 99.46% | 97.45% | -328 bps | |
| Liquid Assets / Assets | 7.07% | 6.55% | 6.70% | 3.86% | 7.15% | +8 bps | |
| CRE / Total Capital | n/a | 361% | 353% | 358% | n/a | n/a | |