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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