Scottsdale, AZ · Cert 59318 · VB&T Holding Co. LLC
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Phoenix-Mesa-Chandler, AZ · 2026 SOD (annual) · 0.1% share · #39 of 55 inst. · $0.1B of $192.0B
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 | -0.14% | -0.35% | -0.76% | -0.24% | -0.14% | -0.09% | 0.11% | 0.08% | +31 bps | |
| Return on Equity | -0.38% | -1.05% | -3.69% | -1.17% | -0.73% | -0.47% | 0.57% | 0.43% | +160 bps | |
| Net Interest Margin | 3.56% | 2.94% | 3.10% | 3.04% | 3.08% | 3.22% | 3.35% | 3.27% | +23 bps | |
| Efficiency Ratio | 99.37% | 101.70% | 106.11% | 100.33% | 94.69% | 91.25% | 91.92% | 87.99% | -1,234 bps | |
| Non-Interest Burden | 3.54% | 3.00% | 3.31% | 3.05% | 2.91% | 2.93% | 3.07% | 2.86% | -19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | 112.16% | 75.70% | 73.85% | 77.01% | 16.06% | 4.84% | 21.40% | -5,244 bps | |
| Loan Growth (YoY) | n/a | 361% | 354% | 239% | 319% | 103.74% | 46.50% | 96.67% | -14,201 bps | |
| Deposit Growth (YoY) | n/a | 248% | 118.23% | 118.25% | 120.47% | 21.69% | 5.94% | 27.42% | -9,083 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 | 0.64% | 0.74% | 0.81% | 0.91% | 0.98% | 0.99% | 0.96% | 0.91% | -1 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 | 33.94% | 26.85% | 19.90% | 19.19% | 19.05% | 19.47% | 18.75% | 17.91% | -128 bps | |
| Total Risk-Based Capital | 185.71% | 93.17% | 54.52% | 52.11% | 40.70% | 35.12% | 35.50% | 29.20% | -2,291 bps | |
| Equity / Assets | 33.31% | 23.57% | 18.33% | 19.64% | 18.58% | 20.23% | 17.60% | 16.24% | -340 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 29.04% | 37.76% | 43.31% | 45.49% | 55.24% | 63.22% | 59.89% | 70.22% | +2,473 bps | |
| Liquid Assets / Assets | 73.01% | 65.73% | 59.03% | 57.81% | 50.65% | 46.97% | 48.48% | 38.83% | -1,899 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 117.09% | 116.83% | 138.63% | n/a | n/a | |