PackageTrendsPeer
Letter portraitLegal landscape

Inspire Trust Company, National Association

Reno, NV · Cert 59349

FDIC

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

98

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

67

Q2 2024Q2 2026peer median (50)

Liquidity

No peer data yet

Efficiency

65

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Inspire Trust Company, National Association

Reno, NV · Cert 59349

FDIC

Q2 2026

$13.8MAssets
$0KLoans
$0KDeposits
$13.2MEquity

NIM

2.30%Q2 ’242.51%Q2 ’251.71%Q2 ’26+9%-32%

Non-interest income vs. expense

66.39%Q2 ’2469.61%Q2 ’2587.24%Q2 ’26-288%-94%

Executive Summary

  • Earnings: ROA of 35.12%, up 712 bps year over year; NIM at 1.71%.
  • Capital: tier 1 leverage ratio of 104.59%, down 107 bps from a year ago.

Financial Results

Return on Assets (YTD, annualized)

35.12%+712 bps YoY

Net Interest Margin (YTD, annualized)

1.71%-80 bps YoY

Efficiency Ratio (YTD, annualized)

62.34%-837 bps YoY

Tier 1 Leverage Ratio

104.59%-107 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets28.00%32.23%27.72%37.65%35.12%+712 bps
Return on Equity28.33%32.79%28.82%41.01%37.78%+946 bps
Net Interest Margin2.51%2.30%1.85%1.17%1.71%-80 bps
Efficiency Ratio70.71%65.18%69.45%56.43%62.34%-837 bps
Non-Interest Burden-26.33%-34.12%-25.43%-44.57%-50.99%-2,466 bps
Growth
Asset Growth (YoY)31.72%42.01%46.50%49.57%17.66%-1,406 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio105.66%110.84%93.87%93.91%104.59%-107 bps
Total Risk-Based Capital314%308%261%274%259%-5,494 bps
Equity / Assets99.63%96.88%89.81%93.71%95.54%-409 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets69.03%60.89%54.05%51.00%59.38%-965 bps
CRE / Total Capitaln/a0.00%0.00%0.00%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Inspire Trust Company, National Association

Reno, NV · Cert 59349 · Peer group: banks under $1B in assets (n=629)

FDIC

Q2 2026

$13.8MAssets
$0KLoans
$0KDeposits
$13.2MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 99% of banks under $1B in assets (rank 6 of 629).
  • Widest gap: net interest margin trails 97% of banks under $1B in assets (rank 612 of 629).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

38.10%

Rank 6 of 629

Net Interest Margin

1.71%

Rank 612 of 629

Efficiency Ratio

62.34%

Rank 219 of 629

Equity / Assets

95.54%

Rank 8 of 629

Non-interest income vs. expense

$17.5M$11.0MINCOMEEXPENSE
Favorable gap of $6.4M · efficiency ratio beats 65% of banks under $1B in assets
Bank 62.34%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets38.10%0.60%1.01%1.45%Beats 99%6 / 629
Return on Equity39.88%5.38%9.30%13.28%Beats 99%8 / 629
Net Interest Margin1.71%3.03%3.54%4.05%Beats 3%612 / 629
Efficiency Ratio62.34%58.35%67.79%79.08%Beats 65%219 / 629
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio259%11.24%13.84%18.77%Beats 98%14 / 629
Total Risk-Based Capital Ratio259%11.58%14.43%19.66%Beats 98%14 / 629
Equity / Assets95.54%9.09%10.65%13.80%Beats 99%8 / 629
Liquidity & Funding
Loans / Depositsn/aNot reported for this institution
Loans / Assets0.00%53.31%67.71%78.15%0th pctl582 / 629
Brokered Deposits / Depositsn/aNot reported for this institution