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Inspire Trust Company, National Association

Reno, NV · Cert 59349

FDIC

Q2 2026

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

NIM

2.36%Q2 ’242.71%Q2 ’251.93%Q2 ’26+15%-29%

Non-interest income vs. expense

60.70%Q2 ’2460.64%Q2 ’2599.32%Q2 ’26-1074%-11%

Executive Summary

  • Earnings: ROA of 31.25%, down 1,014 bps year over year; NIM at 1.93%.
  • Capital: tier 1 leverage ratio of 104.59%, down 107 bps from a year ago.

Financial Results

Return on Assets (quarter, annualized)

31.25%-1,014 bps YoY

Net Interest Margin (quarter, annualized)

1.93%-78 bps YoY

Efficiency Ratio (quarter, annualized)

67.70%+965 bps YoY

Tier 1 Leverage Ratio

104.59%-107 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets41.38%40.10%17.06%37.65%31.25%-1,014 bps
Return on Equity41.81%40.85%18.32%41.01%33.04%-877 bps
Net Interest Margin2.71%2.15%1.80%1.17%1.93%-78 bps
Efficiency Ratio58.05%57.09%79.96%56.43%67.70%+965 bps
Non-Interest Burden-41.12%-52.48%-18.89%-44.57%-45.45%-433 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