Birmingham, MI · Cert 59305
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Detroit-Warren-Dearborn, MI · 2026 SOD (annual) · 0.0% share · #31 of 37 inst. · $0.1B of $183.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -6.75% | -4.64% | -2.71% | -3.05% | -5.05% | -1.85% | -2.00% | -1.41% | +164 bps | |
| Return on Equity | -14.62% | -11.97% | -8.12% | -10.05% | -18.64% | -7.83% | -9.23% | -7.10% | +296 bps | |
| Net Interest Margin | 3.76% | 3.56% | 3.44% | 3.37% | 3.42% | 3.03% | 2.49% | 3.40% | +3 bps | |
| Efficiency Ratio | 260% | 203% | 172.41% | 169.02% | 234% | 151.33% | 165.01% | 114.85% | -5,417 bps | |
| Non-Interest Burden | 9.85% | 7.34% | 6.01% | 5.75% | 8.25% | 4.65% | 4.15% | 3.92% | -183 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 82.68% | 99.61% | 78.82% | 53.03% | 54.86% | 47.81% | 41.96% | 44.05% | -898 bps | |
| Loan Growth (YoY) | n/a | 568% | 211% | 100.67% | 74.00% | 37.41% | 51.09% | 62.69% | -3,798 bps | |
| Deposit Growth (YoY) | 1326% | 563% | 262% | 117.09% | 112.92% | 78.79% | 67.69% | 66.33% | -5,076 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.25% | 1.25% | 1.25% | 1.25% | 1.25% | 1.25% | 1.25% | 1.25% | 0 bps | |
| 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 | 45.48% | 38.44% | 32.99% | 29.14% | 26.03% | 24.17% | 21.46% | 19.54% | -960 bps | |
| Total Risk-Based Capital | 89.50% | 59.02% | 49.52% | 45.82% | 40.98% | 38.11% | 30.32% | 24.23% | -2,159 bps | |
| Equity / Assets | 44.30% | 34.34% | 32.42% | 28.54% | 25.75% | 21.95% | 21.35% | 18.59% | -996 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 108.60% | 96.89% | 92.76% | 95.70% | 88.74% | 74.47% | 83.58% | 93.61% | -209 bps | |
| Liquid Assets / Assets | 4.78% | 3.84% | 3.96% | 3.66% | 4.11% | 2.69% | 2.13% | 1.82% | -185 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 123.93% | 126.55% | 178.39% | n/a | n/a | |