Saint John, WA · Cert 8681
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | -0.68% | -0.26% | -2.98% | -1.56% | -1.19% | -12.76% | -7.04% | -406 bps | |
| Return on Equity | 6.78% | -8.64% | -3.41% | -39.32% | -20.31% | -15.28% | -181.19% | -132.69% | -9,337 bps | |
| Net Interest Margin | 2.54% | 2.40% | 2.30% | 2.45% | 3.20% | 3.10% | -0.89% | 0.98% | -147 bps | |
| Efficiency Ratio | 72.34% | 80.59% | 98.81% | 92.07% | 75.81% | 81.63% | n/a | 258% | +16,549 bps | |
| Non-Interest Burden | 1.82% | 1.92% | 2.27% | 2.24% | 2.39% | 2.51% | 1.93% | 3.43% | +118 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.28% | 5.69% | -2.36% | -15.78% | -15.26% | -13.64% | -16.04% | -15.86% | -9 bps | |
| Loan Growth (YoY) | 5.11% | 4.77% | -6.11% | -9.86% | -16.74% | -14.39% | -17.28% | -19.08% | -923 bps | |
| Deposit Growth (YoY) | 9.40% | 15.89% | 8.45% | 1.13% | -3.00% | -8.56% | -7.71% | -4.57% | -571 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.05% | 2.45% | 2.10% | 1.96% | 3.43% | 3.89% | 21.44% | 49.83% | +4,787 bps | |
| Net Charge-Offs / Loans | 0.33% | 2.79% | 8.32% | 4.02% | 2.87% | 3.25% | 8.69% | 4.25% | +23 bps | |
| Allowance / Loans | 3.36% | 2.99% | 1.11% | 3.38% | 3.82% | 3.29% | 5.52% | 7.13% | +375 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.2x | 0.5x | 1.7x | 1.1x | 0.8x | 0.3x | 0.1x | -1.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.60% | 8.79% | 9.08% | 8.14% | 9.11% | 9.35% | 6.57% | 2.44% | -570 bps | |
| Total Risk-Based Capital | 9.60% | 8.79% | 9.08% | 8.14% | 9.11% | 9.35% | 6.57% | 3.97% | -417 bps | |
| Equity / Assets | 8.55% | 7.31% | 8.05% | 7.38% | 8.03% | 8.29% | 5.68% | 1.28% | -610 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.25% | 70.46% | 74.01% | 83.28% | 73.17% | 65.97% | 66.33% | 70.62% | -1,266 bps | |
| Liquid Assets / Assets | 0.29% | 0.51% | 1.07% | 0.90% | 0.08% | 0.51% | 1.45% | 1.70% | +80 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |