PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Inspire Trust Company, National Association

Reno, NV · Cert 59349

FDIC

Q2 2026

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

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.07%9.35%13.99%28.00%32.23%27.72%37.65%35.12%+712 bps
Return on Equity0.08%9.46%14.21%28.33%32.79%28.82%41.01%37.78%+946 bps
Net Interest Margin3.60%3.31%2.37%2.51%2.30%1.85%1.17%1.71%-80 bps
Efficiency Ratio99.89%86.84%85.01%70.71%65.18%69.45%56.43%62.34%-837 bps
Non-Interest Burden3.53%-5.74%-11.84%-26.33%-34.12%-25.43%-44.57%-50.99%-2,466 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/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio101.12%102.16%97.57%105.66%110.84%93.87%93.91%104.59%-107 bps
Total Risk-Based Capital329%324%314%314%308%261%274%259%-5,494 bps
Equity / Assets98.85%98.62%98.26%99.63%96.88%89.81%93.71%95.54%-409 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets84.09%77.36%74.98%69.03%60.89%54.05%51.00%59.38%-965 bps
CRE / Total Capitaln/an/an/an/a0.00%0.00%0.00%n/an/a