Inspire Trust Company, National Association

Reno, NV · Cert 59349

FDIC

Q2 2026

$13.8MAssets

$0KLoans

$0KDeposits

$13.2MEquity

Executive Summary

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.

Metric	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ	Trend
Earnings
Return on Assets	22.63%	34.80%	13.99%	41.38%	40.10%	17.06%	37.65%	31.25%	-1,014 bps
Return on Equity	22.92%	35.25%	14.21%	41.81%	40.85%	18.32%	41.01%	33.04%	-877 bps
Net Interest Margin	6.42%	3.25%	2.37%	2.71%	2.15%	1.80%	1.17%	1.93%	-78 bps
Efficiency Ratio	75.58%	61.35%	85.01%	58.05%	57.09%	79.96%	56.43%	67.70%	+965 bps
Non-Interest Burden	-16.10%	-32.76%	-11.84%	-41.12%	-52.48%	-18.89%	-44.57%	-45.45%	-433 bps
Growth
Asset Growth (YoY)	11.04%	17.54%	22.23%	31.72%	42.01%	46.50%	49.57%	17.66%	-1,406 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	101.12%	102.16%	97.57%	105.66%	110.84%	93.87%	93.91%	104.59%	-107 bps
Total Risk-Based Capital	329%	324%	314%	314%	308%	261%	274%	259%	-5,494 bps
Equity / Assets	98.85%	98.62%	98.26%	99.63%	96.88%	89.81%	93.71%	95.54%	-409 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	84.09%	77.36%	74.98%	69.03%	60.89%	54.05%	51.00%	59.38%	-965 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	0.00%	0.00%	0.00%	n/a	n/a