Wilmington, DE · Cert 59194
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 72.68% | 63.29% | 66.18% | 91.32% | 75.41% | +273 bps | |
| Return on Equity | 84.63% | 72.68% | 76.15% | 105.94% | 86.53% | +189 bps | |
| Net Interest Margin | 2.78% | 2.75% | 2.81% | 2.55% | 2.33% | -45 bps | |
| Efficiency Ratio | 15.11% | 16.19% | 16.36% | 14.44% | 15.68% | +57 bps | |
| Non-Interest Burden | -84.61% | -69.83% | -68.01% | -120.93% | -87.66% | -305 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.81% | 9.55% | 0.96% | 2.71% | 2.17% | -664 bps | |
| Loan Growth (YoY) | 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 |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 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 |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | 93.98% | 94.84% | 54.44% | 98.94% | 94.43% | +45 bps | |
| Total Risk-Based Capital | 597% | 705% | 366% | 443% | 643% | +4,684 bps | |
| Equity / Assets | 87.08% | 89.82% | 86.00% | 86.36% | 88.61% | +152 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 18.78% | 13.95% | 25.96% | 17.29% | 16.31% | -247 bps | |
| CRE / Total Capital | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |