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Curis Financial

Columbia, SC · Charter 61260

NCUA · 5 branches

Q2 2026

$84.3MAssets
$42.3MLoans
$64.4MShares
$19.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.47%, down 2 bps year over year; NIM at 4.34%.
  • Asset quality: problem loans at 0.59% of loans (+6 bps YoY).
  • Capital: net worth / assets of 23.49%, up 244 bps from a year ago.
  • Funding: loans stand at 65.68% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.47%-2 bps YoY

Net Interest Margin (quarter, annualized)

4.34%+25 bps YoY

Efficiency Ratio (quarter, annualized)

90.34%+28 bps YoY

Net Worth / Assets

23.49%+244 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.30%1.18%0.53%0.49%0.92%0.89%0.46%0.47%-2 bps
Return on Equity6.28%5.53%2.56%2.31%4.14%3.98%2.02%2.00%-31 bps
Net Interest Margin4.18%4.27%3.88%4.08%4.30%4.30%4.15%4.34%+25 bps
Efficiency Ratio78.63%81.01%89.29%90.06%84.66%85.02%90.20%90.34%+28 bps
Growth
Asset Growth (YoY)-4.14%-4.51%-3.62%-1.56%-3.56%-1.01%-4.56%-6.80%-524 bps
Loan Growth (YoY)-1.35%-4.89%-6.64%-8.10%-8.67%-10.10%-8.68%-5.23%+287 bps
Share Growth (YoY)-6.64%-6.20%-4.81%-2.50%-5.56%0.30%-6.84%-9.87%-737 bps
Asset Quality
Delinquent Loans / Loans0.23%0.27%0.37%0.53%0.69%0.38%0.52%0.59%+6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital20.65%21.35%20.75%21.05%22.29%22.47%22.61%23.49%+244 bps
Net Worth / Assets20.65%21.35%20.75%21.05%22.29%22.47%22.61%23.49%+244 bps
Liquidity & Funding
Loans / Shares66.86%66.76%62.12%62.46%64.65%59.84%60.90%65.68%+322 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps