Charlotte, NC · Cert 59344
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 | 37.02% | 37.48% | 41.78% | 40.68% | 40.60% | 56.24% | 3.66% | 3.98% | -3,670 bps | |
| Return on Equity | 43.84% | 44.66% | 49.91% | 47.90% | 47.32% | 68.32% | 4.58% | 4.76% | -4,314 bps | |
| Net Interest Margin | 3.54% | 3.77% | 2.93% | 2.83% | 2.71% | 2.73% | 2.72% | 2.72% | -12 bps | |
| Efficiency Ratio | 69.30% | 70.94% | 67.86% | 67.86% | 66.68% | 59.19% | 76.29% | 79.37% | +1,151 bps | |
| Non-Interest Burden | -34.00% | -35.65% | -42.86% | -39.71% | -37.94% | -47.82% | -5.60% | -4.44% | +3,526 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 | |