Wilmington, DE · Cert 58927
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 | 6.18% | 5.54% | 1.66% | 1.93% | 2.27% | 4.06% | 3.31% | 3.14% | +121 bps | |
| Return on Equity | 6.50% | 5.83% | 1.74% | 2.03% | 2.39% | 4.94% | 4.80% | 4.13% | +211 bps | |
| Net Interest Margin | 4.33% | 4.29% | 3.71% | 3.74% | 3.56% | 3.39% | 3.02% | 3.09% | -65 bps | |
| Efficiency Ratio | 90.11% | 91.44% | 97.56% | 97.14% | 96.69% | 93.37% | 93.25% | 94.15% | -299 bps | |
| Non-Interest Burden | -3.97% | -3.33% | 1.36% | 1.03% | 0.35% | -2.93% | -3.34% | -2.32% | -336 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.59% | 6.67% | 5.58% | 3.75% | 2.40% | 83.96% | 6.70% | 6.58% | +283 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 | 98.31% | 100.20% | 101.46% | 101.11% | 101.73% | 99.11% | 99.95% | 99.31% | -180 bps | |
| Total Risk-Based Capital | 733% | 751% | 704% | 887% | 809% | 615% | 912% | 824% | -6,280 bps | |
| Equity / Assets | 94.69% | 94.74% | 95.09% | 95.48% | 95.04% | 54.07% | 94.33% | 95.07% | -41 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |