0001628280-26-050178
SEC filingQ2净利同比翻倍至$9.5M，存款激增驱动净利息收入与手续费双升。
| 指标 | 本期 | 去年同期 | 同比 |
|---|---|---|---|
| Revenue (Net Interest Income + Noninterest Income) | $19,997 thousand | $12,622 thousand | — |
| Net Interest Income | $17,052 thousand | $11,794 thousand | — |
| Net Interest Margin | 3.45% | 3.39% | — |
| Noninterest Income | $2,945 thousand | $828 thousand | — |
| Noninterest Expense | $8,048 thousand | $7,159 thousand | — |
| Net Income | $9,512 thousand | $4,584 thousand | — |
| Diluted EPS (GAAP) | $1.45 | $0.70 | — |
| Return on Average Equity (annualized) | 21.20% | 11.93% | — |
| Return on Average Assets (annualized) | 1.90% | 1.30% | — |
| Book Value Per Share | $27.99 | $23.92 | — |
| Total Deposits | $2,001,469 thousand | $1,281,915 thousand | — |
| Total Assets | $2,192,553 thousand | $1,445,127 thousand | — |
简评
第二季度净利$9.5M，同比大增$4.9M，主要受净利息收入改善$5.3M及存款安置服务收入增加$1.9M驱动，部分被非利息费用增加$889 thousand和所得税费用增加$1.3M抵消。净息差从3.39%升至3.45%，得益于平均生息资产规模扩大及资金成本从0.31%降至0.14%。存款总额同比增$719.6M，主要来自政治组织及501(c)(4)社会福利组织存款流入，推动资产负债规模扩张。
非利息收入同比增$2.1M，其中存款安置服务收入从$159 thousand跃升至$2.1M，反映ICS One-Way Sell存款规模扩大。信托财富管理收入同比增64%至$501 thousand，AUA达$772.8M。非利息费用同比增$889 thousand，主因员工薪酬增加，但专业服务费下降部分抵消。资本充足率保持强劲，总风险资本比率50.45%，Tier 1杠杆率9.39%，非performing资产占比维持0.00%，资产质量稳健。