PackageTrendsPeer
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Fundbank, National Association

Austin, TX · Cert 59366

FDIC

Q2 2026

$25.6MAssets
$0KLoans
$0KDeposits
$22.2MEquity

Executive Summary

  • Earnings: ROA of -39.51%, down 1,150 bps year over year; NIM at 3.43%.
  • Capital: tier 1 leverage ratio of 80.18%, down 1,372 bps from a year ago.

Return on Assets (YTD, annualized)

-39.51%-1,150 bps YoY

Net Interest Margin (YTD, annualized)

3.43%-27 bps YoY

Efficiency Ratio (YTD, annualized)

1783%+69,678 bps YoY

Tier 1 Leverage Ratio

80.18%-1,372 bps YoY

NIM

2.27%Q4 ’243.27%Q2 ’252.58%Q2 ’26+46%-7%

Non-interest income vs. expense

34.66%Q4 ’2437.08%Q2 ’2555.28%Q2 ’26+7%+48%

Year to date, annualized, through each quarter.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-22.92%-30.83%-28.01%-28.92%-32.59%-30.68%-39.51%-1,150 bps
Return on Equity-22.92%-32.60%-29.68%-30.80%-34.94%-33.84%-44.19%-1,451 bps
Net Interest Margin2.55%3.64%3.71%3.60%3.75%3.19%3.43%-27 bps
Efficiency Ratio1528%1235%1086%1156%1211%1277%1783%+69,678 bps
Non-Interest Burden34.66%40.17%36.93%37.82%42.77%41.49%54.76%+1,783 bps
Growth
Asset Growth (YoY)n/an/an/an/a11.88%-5.65%-14.04%n/a
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio113.06%87.23%93.90%96.10%84.90%83.70%80.18%-1,372 bps
Total Risk-Based Capital521%326%347%348%339%307%260%-8,680 bps
Equity / Assets100.00%89.57%94.03%92.61%90.84%90.47%86.66%-737 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/a0.00%0.00%0.00%n/an/a