0001628280-26-049397
SEC filingQ2净利5.7M超预期，净息差扩至2.90%，核心驱动为成本下降与资产结构优化。
| 指标 | 本期 (Q2 2026) | 去年同期 (Q2 2025) | 同比 |
|---|---|---|---|
| Net interest income | $21,764K | $17,884K | +21.8% |
| Net interest margin | 2.90% | 2.67% | +23bp |
| Total non-interest income | $6,385K | $6,305K | +1.3% |
| Total non-interest expense | $21,217K | $19,099K | +11.0% |
| Efficiency ratio (Non-GAAP) | 74.03% | 78.83% | -4.80pp |
| Net income available to common shareholders | $5,729K | $2,503K | +128.9% |
| Diluted EPS (GAAP) | $0.57 | $0.26 | +119.2% |
| Total loans held for investment | $2,715,868K | $2,543,194K | +6.8% |
| Total deposits | $2,845,964K | $2,529,129K | +12.6% |
| Assets Under Management | $7,275,876K | $7,497,361K | -2.9% |
| Book value per share | $28.73 | $26.64 | +7.8% |
| Tangible book value per common share (Non-GAAP) | $25.53 | $23.39 | +9.1% |
简评
第二季度业绩延续增长动能，净利息收入环比增4.3%至$21.8M，净息差扩至2.90%，主要受益于资金成本下降（成本率环比降4bp至2.86%）及生息资产结构优化（债务证券与贷款平均余额增加）。非息收入环比降4.5%，因按揭贷款收益与风险管理费下降，但被银行手续费增长部分抵消。非息支出环比增5.0%，其中包含$0.4M技术资产核销一次性费用，剔除后调整后支出为$20.8M，效率比率74.0%，同比改善4.8个百分点。
信贷质量保持稳定，不良资产占总资产0.50%，拨备释放$0.5M，拨贷比75bp。贷款总额环比增0.9%，存款总额环比增0.4%，其中无息存款平均余额环比增5.1%至$365.3M，显示核心存款基础增强。账面价值每股环比增2.2%至$28.73，有形账面价值每股$25.53。CEO Scott C. Wylie表示，贷款与存款管道强劲，2026年有望持续增长。公司未披露具体前瞻指引，但管理层对全年前景乐观。