Charlotte, NC · Cert 59344
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 36.19% | 35.72% | 41.78% | 39.84% | 40.72% | 95.42% | 3.66% | 4.54% | -3,529 bps | |
| Return on Equity | 42.46% | 42.59% | 49.91% | 46.15% | 46.52% | 120.60% | 4.58% | 4.93% | -4,122 bps | |
| Net Interest Margin | 3.91% | 3.49% | 2.93% | 2.98% | 3.01% | 2.89% | 2.72% | 2.74% | -24 bps | |
| Efficiency Ratio | 67.78% | 75.54% | 67.86% | 67.86% | 64.48% | 44.81% | 76.29% | 82.45% | +1,459 bps | |
| Non-Interest Burden | -37.09% | -31.47% | -42.86% | -40.16% | -42.25% | -90.56% | -5.60% | -3.35% | +3,681 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 48.95% | 11.60% | 9.65% | 10.05% | 11.09% | 34.15% | -4.28% | -12.30% | -2,235 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 | 89.78% | 78.13% | 89.53% | 92.04% | 93.18% | 62.65% | 92.77% | 92.86% | +82 bps | |
| Total Risk-Based Capital | 291% | 253% | 274% | 283% | 294% | 222% | 407% | 413% | +13,070 bps | |
| Equity / Assets | 85.63% | 81.75% | 85.52% | 87.04% | 87.96% | 70.39% | 92.12% | 92.30% | +526 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 | 86.01% | 82.19% | 83.76% | 84.46% | 85.80% | 72.82% | 94.46% | 94.87% | +1,041 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |