PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Neiman Marcus Group Employees

Dallas, TX · Charter 6304

NCUA · 1 branch

Q2 2026

$9.5MAssets
$4.2MLoans
$7.8MShares
$1.5MNet Worth

Executive Summary

  • Earnings: ROA of -0.66%, down 162 bps year over year; NIM at 4.67%.
  • Asset quality: problem loans at 0.34% of loans (+26 bps YoY).
  • Capital: net worth / assets of 15.93%, up 87 bps from a year ago.
  • Funding: loans stand at 54.45% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

-0.66%-162 bps YoY

Net Interest Margin (YTD, annualized)

4.67%-37 bps YoY

Efficiency Ratio (YTD, annualized)

99.11%+2,003 bps YoY

Net Worth / Assets

15.93%+87 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-3.05%-1.11%0.70%0.96%0.87%0.78%-0.16%-0.66%-162 bps
Return on Equity-21.58%-8.00%4.75%6.38%5.44%4.78%-0.96%-4.14%-1,051 bps
Net Interest Margin4.49%4.58%5.10%5.03%5.25%5.31%4.79%4.67%-37 bps
Efficiency Ratio93.62%91.66%86.12%79.08%82.28%82.58%99.40%99.11%+2,003 bps
Growth
Asset Growth (YoY)-5.06%-0.54%-4.05%-4.84%-9.27%-11.72%-8.49%-6.88%-203 bps
Loan Growth (YoY)-4.18%-2.82%-8.96%-16.89%-19.48%-24.80%-23.83%-24.92%-804 bps
Share Growth (YoY)-4.37%-0.39%-3.74%-5.77%-11.35%-13.46%-10.90%-10.45%-468 bps
Asset Quality
Delinquent Loans / Loans0.93%0.42%0.68%0.08%0.47%0.71%1.12%0.34%+26 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 Capital14.14%13.87%14.78%15.06%15.96%16.32%16.53%15.93%+87 bps
Net Worth / Assets14.14%13.87%14.78%15.06%15.96%16.32%16.53%15.93%+87 bps
Liquidity & Funding
Loans / Shares72.46%71.42%70.25%64.95%65.81%62.06%60.05%54.45%-1,050 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps