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 (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 | -6.30% | -5.73% | -2.71% | -2.87% | -3.66% | -3.11% | -2.00% | -1.68% | +119 bps | |
| Return on Equity | -11.29% | -11.46% | -8.12% | -9.09% | -12.20% | -11.10% | -9.23% | -8.17% | +92 bps | |
| Net Interest Margin | 3.42% | 3.12% | 3.44% | 3.25% | 3.13% | 2.91% | 2.49% | 2.85% | -40 bps | |
| Efficiency Ratio | 223% | 217% | 172.41% | 170.66% | 194.15% | 182.97% | 165.01% | 135.22% | -3,544 bps | |
| Non-Interest Burden | 7.71% | 6.87% | 6.01% | 5.59% | 6.18% | 5.42% | 4.15% | 3.88% | -171 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 | |