Palm Beach, FL · Cert 59255
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 | 20.39% | 20.57% | 13.56% | 17.33% | 18.75% | 18.72% | 20.64% | 21.95% | +463 bps | |
| Return on Equity | 27.94% | 28.55% | 19.92% | 25.39% | 27.52% | 27.46% | 29.50% | 31.06% | +566 bps | |
| Net Interest Margin | 3.50% | 3.48% | 2.89% | 2.93% | 2.88% | 2.77% | 2.50% | 2.52% | -41 bps | |
| Efficiency Ratio | 70.88% | 71.67% | 83.83% | 79.88% | 78.72% | 78.74% | 77.83% | 76.03% | -384 bps | |
| Non-Interest Burden | -17.33% | -17.08% | -10.79% | -15.34% | -16.70% | -16.22% | -18.23% | -20.01% | -467 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.30% | -10.57% | -20.58% | -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 | 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 | 74.45% | 60.92% | 65.98% | 70.69% | 71.03% | 69.30% | 70.62% | 73.71% | +302 bps | |
| Total Risk-Based Capital | 225% | 182.11% | 168.82% | 181.41% | 180.54% | 191.71% | 202% | 210% | +2,895 bps | |
| Equity / Assets | 72.77% | 67.85% | 68.30% | 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 | n/a | n/a | n/a |
| Liquid Assets / Assets | 2.48% | 10.64% | 0.70% | 4.10% | 5.41% | 6.77% | 3.79% | 5.21% | +111 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |