Palm Beach, FL · Cert 59255
FDIC
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 21.52% | 21.84% | 18.62% | 20.64% | 23.45% | +193 bps | |
| Return on Equity | 31.45% | 32.04% | 27.34% | 29.50% | 32.63% | +118 bps | |
| Net Interest Margin | 2.81% | 2.84% | 2.69% | 2.50% | 2.48% | -33 bps | |
| Efficiency Ratio | 76.05% | 76.55% | 78.82% | 77.83% | 74.17% | -187 bps | |
| Non-Interest Burden | -19.28% | -19.74% | -16.23% | -18.23% | -21.34% | -206 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -18.58% | -16.62% | -5.08% | -0.39% | -0.18% | +1,840 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 | 70.69% | 71.03% | 69.30% | 70.62% | 73.71% | +302 bps | |
| Total Risk-Based Capital | 181.41% | 180.54% | 191.71% | 202% | 210% | +2,895 bps | |
| Equity / Assets | 68.56% | 67.82% | 68.39% | 71.59% | 72.15% | +359 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 4.10% | 5.41% | 6.77% | 3.79% | 5.21% | +111 bps | |
| CRE / Total Capital | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |