What changed
EPS of $0.49 beat consensus by $0.04 (8.9%), up from $0.40 YoY. Revenue quality strong: net interest income rose 15.9% to $24.4M, NIM expanded 21bps to 3.49%, and efficiency ratio improved to 49.97%. Key nuance: record loan fundings of $272M drove assets past $3B, but NPLs ticked up to 0.09% from 0.06%—watch credit quality closely given rapid growth.
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Jul 23, 2026 10:59 PM ET